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IVF Cost: How to Calculate and Prepare for IVF Expenses

Fertility treatments like IVF are priced like the medical procedures they are — but they aren’t necessarily covered by insurance.

Calculating IVF cost can be complicated. That’s because the cost of in vitro fertilization (IVF) and other fertility treatments are governed by factors that range from insurance coverage to state of residency. Those trying to understand how IVF cost is determined need to understand that the procedure is performed by experts and specialists. And the corresponding price tag may or may not be covered by insurance. Although costs will vary by region and clinic, the more invasive, involved, or complex the procedure is, the more expensive it is, generally.

“In vitro fertilization is when the eggs are removed from the ovaries and fertilized in an embryology lab. The embryos created are cultured to a multi-cell stage called a blastocyst, which is transferred back into the uterus,” explains Tiffanny Jones, MD, a reproductive endocrinologist and fertility expert at Dallas IVF. The eggs can be fertilized with the partner’s sperm or a donor’s and returned to the patient’s uterus or a surrogate’s

Understanding IVF Cost

  • IVF is medicine: It’s a medical procedure or procedures conducted by highly trained doctors. Like any specialized treatment, it can be expensive.
  • It adds up: Multistep, complex treatments generally cost more; each procedure adds a discrete cost to the total.
  • It takes time and commitment: IVF is a two-week procedure, requiring consistent daily injections.
  • It may not work: It’s an advanced treatment, but it’s not 100 percent successful. Patients who have been struggling to conceive for years may pay an emotional price if the outcome is not a success.

However it’s accomplished, IVF has costs associated with each step of the process. For instance, collecting eggs to be fertilized requires injectable medications. Those drugs alone can cost $4,000 to $8,000 per cycle. Once harvested, eggs may be fertilized with conventional insemination where eggs and sperm are placed in the same receptacle and allowed to do their thing. However, if the conventional method doesn’t work, doctors may choose intracellular sperm insemination, or ICSI, where a single sperm is placed directly into a mature egg for fertilization. That can run from $1,000 to $2,000. There is also a technique called “assisted hatching,” where the outer shell of an embryo is either chemically or mechanically broken to allow the embryo to “hatch” more easily. This is commonly done on eggs from older women or on embryos that were created from frozen eggs. This procedure also carries its own cost of around $450. 

There are also office visits and ultrasound appointments to consider, possibly many, each carrying a price largely dependent on the provider. Additionally, some prospective parents may opt for genetic testing, which can be conducted before implantation and render amniocentesis unnecessary. This screening can range from $1,500 to $5,000 or possibly more, depending on the number of embryos and type of test.

IVF can get expensive quickly and can easily exceed $15,000.

“There are some mandated states where infertility must be covered. As of now, I believe there are only 15 states and not all of them offer full coverage for IVF,” says Jones. “Initial screening tests are covered by most insurances. Companies like Google and Facebook even cover freezing eggs to use for later. I have seen some couples get everything paid for, including genetic testing.”

Money is a big consideration, but not the only one. IVF is a serious time commitment that can dictate a patient’s schedule for a couple of weeks.

“IVF takes about 2 weeks: 10 to 12 days of injectables, then five days to grow the embryo and transfer it into the uterus,” explains Jones. “A women usually gets a blood test and an ultrasound every other day during the 10-12 days of injectables. They have to be willing to take injections two to three times per day. Timing of medications is very important, so if they go out of town, they must remember all of their medications. It can be very difficult to get the medications; most pharmacies do not carry them.” 

But this investment of time and money isn’t the only cost. IVF is incredibly advanced, but it’s not a sure thing. And this long process can take an emotional toll.

“A 20-year-old with polycystic ovary syndrome has a much better chance of conceiving than a 40-year-old with diminished ovarian reserve,” Jones says. “Success rates — meaning live births — can be as high as 70 percent for a normal embryo or as low as 10 percent if the embryo was created by an older couple. A negative pregnancy test can be devastating to a couple that was not adequately counseled on their individual chances of pregnancy. Even with the best counseling, if a couple goes through the entire process and does not end up with a child the emotional toll cannot be measured.”