IVF Costs Between $14K to $25K - Here's How You Can Afford It

The average cost of one cycle of IVF without insurance was between $14,000 to $25,000. The price variation is due to location and the patient’s specific needs. Many patients will require multiple cycles (up to 5-6) before they have a child, so IVF can cost up to $180,000. Assisted reproductive techniques, including IVF, can be costly for many couples and individuals.

How Much Does IVF Cost Out Of Pocket?

The costs of IVF include financial, health, and wellbeing costs. While the financial cost of IVF is very high, the often-overlooked costs of this process include the toll it takes on people's health and wellbeing. 

Financial Cost

Some insurance providers cover the cost of IVF but not all. Additionally, some providers will partially cover some or all of the procedures involved in an IVF cycle. The financial burden of a self-paid IVF cycle can be broken down as follows (figures from Chelsea Fertility, an IVF facility in New York):

There may be additional costs during an IVF cycle depending on necessary procedures. The IVF clinic will charge additional fees for frozen embryo transfer, egg freezing, and genetic screening. These services depend on the patient’s needs and requests.

The cost of IVF will also vary based on your location. While some states, such as California, have legal provisions requiring insurance carriers to cover IVF, others have lesser requirements. For example, in Texas, insurance companies are required to let employers know that infertility coverage is available. Still, employers are not required to include these services as part of their employee health plan.