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The Cost of IVF

IVF costs vary widely, but most patients (without insurance) spend $15,000–$30,000 on average per IVF cycle, including medications. With insurance, costs usually decrease significantly. The amount you pay will depend on your diagnosis, insurance coverage, and other factors.

This page breaks down expected costs for both self-pay and insured patients pursuing in vitro fertilization (IVF). Explore typical price ranges for cycle monitoring, medication costs, add-on services like PGT, and more.

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Disclaimer: The information on this page is for general educational purposes only. All price ranges and examples are estimates and do not constitute guaranteed rates, promises of coverage, or a reflection of Illume Fertility’s current pricing or fees. Actual costs vary based on your insurance plan, pharmacy pricing, medical needs, and the treatment plan recommended by your provider. Illume Fertility’s Financial Coordinators will review your specific benefits and provide an individualized cost estimate after your consultation. Pricing, accepted insurers, and program availability are subject to change.

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Schedule a consultation, then connect with a Financial Coordinator to review your benefits and a clear cost estimate. To speak with a New Patient Liaison, call (203) 956-2265.
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quick summary

How much does IVF cost?

For patients without IVF benefits, including self-funded plans that exclude treatment or those paying out of pocket due to timing or personal reasons, a typical IVF cycle (including medications) ranges from about $15,000 to $30,000.

Patients with IVF coverage through large-group plans, fully insured plans with mandated coverage, or employer fertility benefits will typically pay much less (around $1,500 to $6,000 per cycle).

Keep in mind: Your geographic location, choice of fertility clinic, insurance coverage, the complexity of your case, and many other factors can influence the amount you pay for your IVF journey.

To view detailed IVF cost breakdowns, select your path:

I Have Insurance I'm Self-Pay
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Why Costs Vary

What affects IVF pricing?

Because every IVF journey must be personalized to your unique needs, the total cost of treatment can vary widely. The main factors that influence the cost of IVF typically include:

1. Insurance Coverage

If insured, your plan type, deductible, and coinsurance all play a role. With no insurance coverage, out-of-pocket costs increase.

2. Diagnosis & Number of Cycles

Some fertility issues have straightforward solutions, others require more experimentation and time to resolve.

3. Third-Party Support

Donor sperm, donor eggs, or a gestational carrier (surrogate).

4. Add-On Services

Specialized lab procedures like ICSI or PGT.

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without coverage

Self-Pay IVF Costs

Estimated total cost: $15,000 to $30,000+ per cycle

Typical price ranges for patients who are uninsured or lack IVF coverage.

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Donor Egg Cost Considerations

For patients utilizing donor eggs

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Donor Sperm Cost Considerations

For patients utilizing donor sperm

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Donor Embryo Cost Considerations

For patients pursuing embryo donation

with insurance coverage

IVF Costs for Insured Patients

Estimated total cost: $1,500 to $6,000+ per cycle

Typical price ranges for insured patients with IVF coverage.

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The Reality of "Low-Cost IVF"

You may see fertility clinics advertising IVF for $5,000 to $8,000 (sometimes even less). It’s important to know that these prices usually only reflect a portion of treatment.

Low-cost IVF cycles often:

  • Exclude medications, anesthesia, some lab procedures.
  • Require payment in full before your cycle.
  • Don’t include cryopreservation, storage, or frozen embryo transfer fees.
  • Add on costs later that raise the total significantly.

While affordability matters, true value comes from transparency, continuity of care, and having access to all the tools you need to be achieve your family-building goals. 

At Illume, we always prioritize accuracy and honesty over marketing claims. Every estimate you receive is detailed, personalized, and reflects the real cost of high-quality care.

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IVF Cost FAQs

Clear answers to top questions about the costs associated with in vitro fertilization (IVF).

What is the average cost of one IVF cycle?

Does insurance cover IVF?

How many IVF cycles will I need?

How much does PGT cost? Do I need it?

Why does IVF cost vary so much between clinics?

Why does IVF cost so much?

Why aren’t IVF medications included in the cycle fee?

Why do clinics charge storage fees for eggs, sperm, and embryos?

What is a "freeze-all" cycle? Does it change the cost?

free resource

IVF Grant Application Guide

Increase your chances of receiving an award with this easy-to-read, practical guide that will help you prepare, prioritize, and apply with confidence. Inside this guide, you'll find:

  • An introduction to the various types of grants and who they are designed for.
  • A detailed application checklist with required documents.
  • Tips for writing a clear, compelling personal statement.
  • Ways to "stack" funding that will help you maximize savings and reduce out-of-pocket costs.
  • A free printable tracker to help you stay organized.

Fill out the form to get our IVF Grant Application Guide now.

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Let's Make a Plan Together

Take the first step by scheduling your initial consultation with an Illume Fertility physician.

After this consultation, your dedicated Financial Coordinator will review your insurance plan (if applicable), estimate treatment costs, and help point you to grants and aid you may be eligible for.

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