Fertility Treatment Cost

If you’re exploring fertility treatments, cost is likely one of your biggest concerns. In the U.S., fertility treatment prices can vary widely based on the procedure, the clinic, the location, and whether certain extras (like medications or lab work) are included. Here’s a clear breakdown of what you can expect to pay for some of the most common fertility services.

Breaking Down Fertility Treatment Cost

In Vitro Fertilization (IVF) Cost

In vitro fertilization (IVF) is one of the most common fertility treatments, and also one of the most expensive. So how much does IVF cost? On average, a single IVF cycle costs between $12,000 and $20,000, not including medications. Fertility medications used during IVF can add another $3,000 to $7,000, bringing the total cost of one IVF cycle to as much as $27,000 or more. These estimates may not include optional add-ons like embryo freezing, preimplantation genetic testing, or donor eggs and sperm, all of which can drive up costs further.

Artificial Insemination (IUI) Cost

Intrauterine insemination (IUI), also known as artificial insemination, is generally more affordable than IVF. A single IUI cycle typically costs between $500 and $4,000. The lower end reflects procedures without fertility medications, while the higher end includes cycles that involve hormone treatments to stimulate egg growth. While IUI is less invasive and more budget-friendly, it often comes with lower success rates compared to IVF.

Intracytoplasmic Sperm Injection (ICSI) Cost

ICSI is a specialized procedure used alongside IVF where a single sperm is injected directly into an egg. This method is especially beneficial in cases of male infertility, such as low sperm count or poor motility.

The cost of adding ICSI to an IVF cycle typically ranges from $1,000 to $2,500. Because it’s considered an add-on, this fee is in addition to the standard IVF cycle cost.

Egg Freezing Cost

Egg freezing has become an increasingly popular option for women who want to preserve their fertility. The cost of an egg freezing cycle, which includes the egg retrieval process, typically ranges from $6,000 to $15,000. Medications can add another $2,000 to $5,000, and annual storage fees range from $500 to $1,200. It’s important to note that these figures cover the initial freezing process, but not the eventual IVF cycle needed to use those eggs.

Embryo Freezing Cost

Embryo freezing is often part of an IVF cycle and can add $1,000 to $2,000 to the total treatment cost. 

Annual storage fees for frozen embryos are similar to those for egg freezing, typically $500 to $1,000.

When the patient is ready to attempt pregnancy, thawing and transferring the embryo can cost an additional $3,000 to $5,000.

Donor Eggs Cost

Using donor eggs is a common option for patients with diminished ovarian reserve or other fertility issues. Compensation for the egg donor typically ranges from $5,000 to $10,000.

In addition to the standard IVF procedure—which costs about $12,000 to $15,000—the total cost when using donor eggs often falls between $20,000 and $35,000 or more.

Legal and agency fees are also involved, especially when sourcing eggs from an egg donor agency, and these costs should be carefully factored into the overall budget.

Sperm Donor Cost

Donor sperm is another commonly used option in fertility treatments. A single sperm sample generally costs between $300 and $1,000, depending on the sperm bank and donor profile.

Using donor sperm with IUI or IVF will add to the base cost of those procedures. For example, pairing donor sperm with IUI may raise total costs by $1,000 or more per cycle.

Screening and storage fees may also apply and should be considered as part of the overall cost of treatment.

Gestational Surrogacy Cost

Gestational surrogacy is among the most expensive fertility options, with total costs typically ranging from $100,000 to $150,000.

This includes surrogate compensation—usually between $30,000 and $50,000—as well as medical expenses for IVF, legal fees for drafting contracts, and agency fees for matching with a surrogate.

Insurance is another major factor in surrogacy. The intended parents must ensure that the surrogate has adequate insurance coverage for pregnancy and delivery, or they may need to purchase a specialized policy, which can add significantly to the total expense.

Factors Influencing Fertility Treatment Costs

Geographic Location

Where you live can have a major impact on how much you’ll pay for fertility treatments. Costs can vary significantly not only from state to state, but even between cities. For instance, undergoing IVF in a major metro area like New York or Los Angeles may cost considerably more than in smaller cities or rural areas. Urban centers tend to have higher prices due to increased demand and the overhead expenses associated with operating in a densely populated area.

Clinic Reputation and Success Rates

The fertility clinic you choose plays a key role in determining your overall costs. Clinics known for their high success rates or access to advanced fertility technology often charge premium prices for their services. However, higher upfront costs at a reputable clinic might be more cost-effective in the long run if it leads to a successful pregnancy with fewer treatment cycles. When comparing clinics, it’s worth considering not just the price but also the success rates and scope of services included.

Individual Health Factors

Every patient’s fertility journey is unique, and personal health circumstances can greatly influence the final cost. Conditions like PCOS, endometriosis, or low ovarian reserve may require more complex or prolonged treatment protocols. Additionally, diagnostic testing—such as hormone panels, ultrasounds, or genetic screening—may be necessary before treatment begins, adding several hundred to a few thousand dollars to the total expense.

Number of Treatment Cycles

One of the biggest variables in fertility treatment costs is the number of cycles required. While some individuals or couples may achieve pregnancy after one cycle, many need to undergo multiple rounds of treatment. This can significantly increase total costs. Some clinics offer discounted package pricing for multiple IVF cycles, which can provide financial relief and better predictability.

Medication Protocols

Fertility medications are not one-size-fits-all. Depending on your treatment plan and how your body responds, the type and dosage of medications can differ, resulting in a wide range of costs. Some patients may need minimal stimulation, while others require higher doses or longer protocols, especially in IVF cycles. Additionally, insurance coverage for fertility medications varies widely—some plans offer partial or full coverage, while others exclude them entirely. This can dramatically affect your out-of-pocket expenses.

Insurance Coverage and Financial Assistance

California Insurance Mandates

California has specific laws in place that affect fertility treatment coverage. Under state law, insurance providers are required to offer coverage for certain infertility treatments, including in vitro fertilization (IVF), although they are not mandated to include it in every plan. This means that while insurance companies must make the option available, it’s ultimately up to the employer to decide whether fertility coverage is part of the health benefits package. As a result, access to IVF coverage can vary significantly depending on your job and the insurance plan offered by your employer.

Understanding Your Insurance Plan

Because coverage varies so much, it’s essential to review your specific insurance policy in detail. Look for sections that mention infertility or reproductive medicine to understand what’s covered, what’s excluded, and what conditions must be met. Many insurers require preauthorization before you begin treatment, which means you must get approval for coverage in advance. Skipping this step can lead to unexpected out-of-pocket expenses. Understanding your plan’s limitations and requirements upfront can save time, money, and stress down the road.

Financial Assistance Programs

If your insurance doesn’t cover fertility treatments, or if you’re facing high out-of-pocket costs, there are several financial assistance options available in California. Nonprofits like the Baby Quest Foundation, the Cade Foundation, and the Footsteps for Fertility Foundation offer grants and scholarships specifically for individuals and couples pursuing fertility treatment. Additionally, many fertility clinics offer financing options such as payment plans or sliding scale fees based on income. It’s worth asking your clinic about these options during your initial consultation to better plan for the financial aspects of your care.

Beyond the Price Tag: Hidden Costs and Considerations

Emotional and Psychological Impact

The financial side of fertility treatment is just one piece of the puzzle—there’s also the emotional and psychological toll that comes with the journey. Many individuals and couples face anxiety, depression, or emotional exhaustion throughout the process. That’s why mental health support is a crucial yet often overlooked aspect of fertility care. Some clinics offer in-house counselors, while others may refer patients to specialists. Participating in support groups—either in person or online—can also help patients connect with others experiencing similar struggles, offering a sense of solidarity and shared strength.

Time Commitment

Undergoing fertility treatment isn’t just a financial investment; it’s also a significant time commitment. Appointments for monitoring, blood tests, and procedures often take place during business hours, which means many patients need to take time off work—sometimes unpaid. Recovery time after procedures like egg retrieval or embryo transfer may also necessitate additional days off. For those juggling full-time jobs or caregiving responsibilities, managing the treatment schedule can be a serious logistical challenge.

Lifestyle Adjustments

Fertility specialists often recommend lifestyle changes to improve treatment outcomes. That might mean switching to a fertility-friendly diet, investing in organic foods, or joining a fitness program—all of which can increase monthly expenses. On top of that, patients may be advised to take fertility supplements, acupuncture, or alternative therapies, which are typically not covered by insurance but can have a meaningful impact on reproductive health.

Legal and Ethical Considerations

When fertility treatment involves third parties—such as egg or sperm donors, or a gestational surrogate—legal agreements are a must. Drafting contracts to outline parental rights, responsibilities, and compensation requires the help of an attorney familiar with reproductive law, which adds another line item to the budget. Ethical considerations may also arise, especially around decisions like embryo selection or genetic testing. In these cases, counseling can be invaluable in helping patients make informed and ethically sound choices.

Ready to Take the Next Step? Schedule a Consultation with Our Fertility Experts

At California Center for Reproductive Health, we believe everyone deserves personalized, compassionate care, and transparent pricing to match. Whether you’re considering IVF, IUI, egg freezing, or simply want to explore your options, our team is here to guide you every step of the way.

Take the first step toward building your family. Request an appointment today and let’s talk about what’s possible.

Financial Assistance and Insurance Partners

At the California Center for Reproductive Health, we’re committed to making fertility treatment more accessible and affordable. To review our fertility financing options here. We proudly work with a number of financial assistance programs and insurance providers to support our patients on their journey to parenthood.

Financial Assistance & Fertility Support Providers

Fertility loans, grants, and financial planning

Employer-sponsored fertility benefits and support

Fertility and family-forming benefits through employers

Insurance Providers Contracted with CCRH

• Aetna

• Blue Cross

• Blue Shield

• Cigna

• Facey

• Regal/Lakeside

• Sierra Medical Group

• Tricare

• United Health Care

• WIN

Have questions about your coverage or financing options? Our staff is happy to help you navigate your benefits and find a plan that works for you.

Fertility Treatment Cost FAQ

How much does it cost to check your fertility?

The cost of fertility testing can vary based on the tests required and whether both partners are being evaluated. On average, basic fertility testing for women—including blood work and ultrasound—ranges from $200 to $600. For men, a semen analysis typically costs between $100 and $300. More comprehensive diagnostics can increase the total to $1,000 or more if not covered by insurance.

Does fertility treatment count as medical expenses?

Yes, in many cases, fertility treatments are considered qualified medical expenses by the IRS. This means you may be able to deduct certain costs—such as IVF, IUI, fertility medications, and diagnostic testing—on your tax return if you itemize deductions and your total medical expenses exceed a certain percentage of your income.

Is fertility usually covered by insurance?

Insurance coverage for fertility treatments varies widely depending on your provider, state laws, and employer health plan. Some plans may cover diagnostics but not treatments like IVF or egg freezing. In California, insurers are required to offer coverage for infertility diagnosis and certain treatments, but not necessarily IVF. Always review your individual plan carefully.

At the California Center for Reproductive Health (CCRH), we partner with several fertility benefit and financing assistance companies—including Sunfish, Kindbody, and Carrot—to help make treatments more affordable. These organizations offer employer-sponsored fertility benefits, personalized financing solutions, and low-interest payment options.

In addition, CCRH is contracted with a wide range of insurance providers, including Aetna, Blue Cross, Blue Shield, Cigna, Facey, Regal/Lakeside, Sierra Medical Group, Tricare, United Health Care, and WIN. Coverage varies depending on your plan, so we recommend checking directly with your provider or contacting our office for support navigating your benefits.

Are there financing options available if I don’t have insurance coverage?

Yes, CCRH collaborates with several fertility financing and support partners to make treatment more affordable. We are contracted with Sunfish, Kindbody, and Carrot—all of which offer various financial assistance programs, loans, and employer-sponsored fertility benefits. Our staff can assist you in exploring these options to determine which resource best fits your needs.

How much are fertility meds without insurance?

Without insurance, fertility medications can cost anywhere from $3,000 to $5,000 per IVF cycle. The actual amount depends on the prescribed protocol, dosage, and duration. Injectable medications like gonadotropins tend to be the most expensive.

How do people afford fertility treatment?

Many individuals and couples finance fertility treatment through a combination of savings, insurance, clinic payment plans, personal loans, health savings accounts (HSAs), or credit cards. Some also explore fertility financing companies that specialize in medical loans or seek support from nonprofit organizations offering financial assistance.

Are there any grants or financial assistance programs available?

Yes, several nonprofit organizations offer grants, scholarships, or discounted services to help cover the cost of fertility treatments. Examples include the Baby Quest Foundation, the Cade Foundation, and Nest Egg Foundation. Additionally, some California clinics provide in-house financing options, sliding scale fees, or partner with third-party financing companies.

What factors can increase the cost of fertility treatments?

Several factors can drive up the total cost of treatment, including the number of cycles required, use of donor eggs or sperm, need for advanced procedures like ICSI or genetic testing, medication protocols, and storage fees for embryos or eggs. Geographic location and clinic success rates can also influence pricing, as can the absence of insurance coverage.