Last updated: March 2026
How Much Does IVF (In Vitro Fertilization) Cost?
Without Insurance
$15,000 – $25,000
Average: $20,000
With Insurance
$5,000 – $15,000
Average: $10,000
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Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Standard IVF Cycle | $12,000 – $17,000 | $5,000 – $10,000 |
| IVF Medications | $3,000 – $7,000 | $1,000 – $3,000 |
| Frozen Embryo Transfer | $3,000 – $5,000 | $1,500 – $3,000 |
| IVF + PGT (genetic testing) | $18,000 – $25,000 | $8,000 – $15,000 |
| Mini IVF | $5,000 – $8,000 | $3,000 – $5,000 |
CPT/ADA Code: S4011
What Affects the Cost
- Brand-name vs. generic availability
- Insurance formulary tier placement
- Pharmacy choice (retail vs. mail-order vs. Costco)
- Manufacturer savings cards and coupons
- Dosage and quantity prescribed
- Geographic location
Insurance Coverage
Typical coverage: Required in 20 states; many plans exclude fertility
Most insurance plans use a tiered formulary: Tier 1 (generic) $0-$15 copay, Tier 2 (preferred brand) $25-$75, Tier 3 (non-preferred brand) $50-$150, Tier 4 (specialty) $100-$500+. Prior authorization may be required for certain medications. Step therapy may require trying cheaper alternatives first.
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How to Save Money
- Always ask for generic when available — saves 50-90%
- Use GoodRx, RxSaver, or similar discount cards
- Costco pharmacy is open to non-members and often has lowest prices
- Mark Cuban's Cost Plus Drugs offers transparent low pricing
- Manufacturer patient assistance programs provide free medication to qualifying patients
- HSA/FSA funds can cover medication costs tax-free
Related Procedures & Costs
Frequently Asked Questions
One cycle: $15,000-$25,000 total. Most people need 2-3 cycles, so $30,000-$60,000 total.
20 states mandate some fertility coverage, but details vary. Many large employers cover IVF voluntarily.
Under 35: 40-50% per cycle. 35-37: 30-40%. 38-40: 20-30%. Over 40: 10-20%.
Disclaimer: Costs shown are estimates based on national averages and may vary by location, provider, and insurance plan. This information is for educational purposes only and is not medical advice. Consult your healthcare provider and insurance company for exact costs. Read full disclaimer.
Sources: FAIR Health Consumer, Healthcare Bluebook, CMS Medicare Fee Schedules, GoodRx, and published clinical pricing data. Last updated: 2026-03-15.