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IVF Cost Calculator & Estimator
Comprehensive IVF cost breakdown including medications, procedures, and insurance coverage
Financial Disclaimer
These are estimated costs based on national averages. Actual IVF costs vary significantly by clinic, location, and individual treatment needs. Always request a detailed cost breakdown from your specific fertility clinic. Insurance coverage varies by state and policy. Contact your insurance provider for exact coverage details.
IVF Cost Factors
Understanding IVF Costs
Average IVF Costs in USA
- • Single IVF cycle: $12,000-$17,000
- • IVF medications: $3,000-$7,000
- • ICSI add-on: $1,000-$2,500
- • PGT-A testing: $3,000-$6,000
- • Frozen embryo transfer: $3,000-$5,000
- • Egg donor cycle: $25,000-$40,000
Insurance Coverage by State
19 states have fertility insurance mandate laws: AR, CA, CO, CT, DE, HI, IL, LA, MD, MA, MT, NH, NJ, NY, OH, RI, TX, UT, WV
Hidden Costs to Consider
- • Storage fees for frozen embryos ($500-$1,000/year)
- • Travel and accommodation if using distant clinic
- • Time off work for appointments
- • Acupuncture or complementary treatments
- • Counseling or therapy support
Sources & References
- • FertilityIQ. (2023). "IVF Costs and Insurance Coverage Report." Available at: fertilityiq.com
- • ASRM. (2023). "State Infertility Insurance Laws." American Society for Reproductive Medicine.
- • Resolve. (2023). "Insurance Coverage by State." National Infertility Association.
- • CDC. (2021). "ART Success Rates and Costs." Centers for Disease Control and Prevention.
- • Chambers et al. (2021). "International Committee Monitoring ART: world report on ART." Human Reproduction
- • Wu et al. (2022). "Out-of-pocket fertility patient expense." Fertility and Sterility