IVF Costs (2024)

FAQs

How do most people afford IVF? ›

If you have health insurance, check to see if your plan covers some or all of the costs of IVF. Some states' laws mandate that IVF medications are covered. To find ways to afford IVF, shop around, ask about discounts and payment plans, and use tax-advantaged savings accounts and medication coupons.

The bottom line. An in vitro fertilization (IVF) cycle includes ovarian stimulation, egg retrieval, fertilization, and embryo transfer. Not including medications and testing, the average IVF cycle costs $12,400. With fertility medications and genetic testing, you could pay $15,000 to $30,000 or more per cycle.

These prices are generally flat and often represent the costs patients are typically quoted when they call a clinic to ask what IVF will cost. We've seen patients negotiate discounts for up to 10% and, according to our data, 27% of all U.S. patients have this fee covered entirely by insurance.

Seventy percent of IVF cycles fail, and when patients do multiple cycles the costs climb fast. To offset this, roughly half of U.S. clinics offer the chance to pay up front to buy a package of treatments at a discount, sometimes with a refund if you don't succeed.

Prices for IVF are "significantly higher" than other options because of the many medical experts and procedures required to make it happen, Tang says. There's medication, an egg retrieval procedure done while the patient is under anesthesia, ultrasounds and lab work.

Much like college scholarships, many IVF grants have specific criteria, you must meet in order to receive the free IVF. Some grants are specific to veterans or active-duty military. Other IVF Grants are for cancer survivors, Jewish couples, members of the LGBTQ community and more.

Using a gestational carrier is the most expensive of all IVF options. If you include all the legal fees, agency fees, IVF costs, and payment to the gestational carrier, the cost can range anywhere between $50,000 to $100,000. Embryo donation is the least expensive of the donor options.

Turkey. Regarded as one of the cheaper countries for IVF treatment, Turkey offers some attractive reasons to travel to the country for the procedure.

Opt for a single embryo transfer: Opting for a single embryo transfer can reduce the cost of IVF treatment. This is because using fewer embryos reduces the cost of medication, monitoring, and laboratory fees.

How do I financially plan for IVF? ›

Coverage runs the gamut: Some insurance plans cover in vitro fertilization (IVF) but not the accompanying injections that women may also require. Other plans cover both. Some plans cover limited attempts at certain treatments. And some plans do not cover IVF at all.

Consider other options like a 0% interest credit card, home equity financing or an IVF grant (read about these options below). Submit your application. If you decide to move forward with an IVF loan, you'll need to gather documents like proof of employment and income and formally apply for a loan.

In the U.S., the average cost of one IVF cycle is $21,600. However, people often require multiple rounds of IVF, with the average patient undergoing two to three cycles of IVF in total. That means a person can spend an average of $50,000 on treatments.

Women under the age of 35 have the most success, but between the ages of 35 and 37 also have a 40.5% rate of success. Women between the ages of 38 and 40 have a lower success rate at 26t. 4% and over 40 has the lowest success rate at 8.2% according to CDC data.

The success of IVF is dependent on the quality of service provided by the clinic, the age of the woman, and other health-related factors. The average cost of an IVF cycle can be anywhere between Rs 2.5 lakhs and Rs 4 lakhs.

Many people wonder why IVF is so expensive. One reason is that, unlike other medical procedures, it's often not covered by insurance, so patients have to pay out of pocket and that can hurt.