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

Overall, California Center for Reproductive Health provides fertility treatments that are roughly 25% more affordable than other top California clinics, while delivering the highest standards of care and outcomes.

In vitro fertilization (IVF) is one of the most common fertility treatments and can be one of the more significant financial investments in your fertility journey. The cost includes ovarian stimulation, monitoring, egg retrieval, fertilization, and embryo transfer. Additional services, such as embryo freezing, preimplantation genetic testing, or donor eggs and sperm, can also be included.

At California Center for Reproductive Health, we offer more affordable IVF options, including Mini IVF and Access IVF, now available at an all-inclusive price of $10,995. These programs reduce medication and monitoring requirements while maintaining excellent success rates, making high-quality IVF treatment more accessible for our patients.

Artificial Insemination (IUI) Cost

Intrauterine insemination (IUI), also known as artificial insemination, is generally a more budget-friendly option than IVF. It includes sperm preparation and placement into the uterus at the optimal time. IUI can be performed with or without fertility medications, depending on your individual needs.

While IUI is less invasive, it typically has lower success rates than IVF. At California Center for Reproductive Health, we provide IUI with expert care at affordable prices, helping you maximize your chances while keeping treatment costs manageable.

Intracytoplasmic Sperm Injection (ICSI) Cost

ICSI is a specialized procedure used alongside IVF in which a single sperm is injected directly into an egg. This technique is especially beneficial for patients experiencing male factor infertility, such as low sperm count or poor motility.

At California Center for Reproductive Health, ICSI is offered as an optional add-on to IVF cycles. Our team of skilled embryologists ensures the procedure is performed with precision, enhancing fertilization rates while keeping treatment costs transparent and accessible.

Egg Freezing Cost

Egg freezing is an increasingly popular option for women who want to preserve fertility for the future. The procedure includes ovarian stimulation, egg retrieval, and cryopreservation, with options for long-term storage.

California Center for Reproductive Health offers affordable egg freezing services, combined with expert care to maximize egg quality and storage safety, making it a smart investment in your reproductive future.

Embryo Freezing Cost

Embryo freezing is often performed alongside IVF and includes freezing, storage, and eventual thawing and transfer when you are ready to attempt pregnancy.

We provide transparent, affordable embryo freezing services with secure storage and careful handling, ensuring the highest standards for your embryos while keeping costs manageable.

Donor Eggs Cost

Using donor eggs is an option for patients with diminished ovarian reserve or other fertility challenges. This service includes coordination with a donor, medical procedures, and IVF. Legal and agency services are also part of the process when working with donor programs.

At California Center for Reproductive Health, we offer high-quality donor egg services at more affordable rates, ensuring top-notch care and guidance throughout the process.

Sperm Donor Cost

Donor sperm can be used in IUI or IVF and includes screening and storage. Working with donor sperm allows patients to access additional fertility options tailored to their needs.

We provide affordable sperm donor services alongside our fertility treatments, giving patients expert support and careful coordination without compromising quality.

Gestational Surrogacy Cost

Gestational surrogacy is a comprehensive fertility option that includes IVF, coordination with a surrogate, legal services, and medical care for the surrogate. While surrogacy is a complex and multi-step process, our team provides guidance every step of the way.

At California Center for Reproductive Health, we deliver top-quality gestational surrogacy services at competitive rates, helping intended parents navigate this journey with confidence and support.

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.