How Much Does IVF Cost in St. Louis, MO?

If you’re exploring in vitro fertilization (IVF) in St. Louis, MO, gaining a clear understanding of the financial landscape is essential to your fertility journey.

IVF costs can vary significantly depending on the fertility clinic you choose, how they structure pricing, your individual health profile, and whether your treatment includes common but potentially costly add-ons. 

This guide breaks down typical IVF costs in the St. Louis area, explains how optional services affect overall expenses, and highlights practical strategies that many patients use to access quality care without overspending.

What Affects the Cost of IVF in St. Louis

In St. Louis, a single IVF cycle with standard fertility medications typically ranges from $15,000 to $30,000.

However, your total out-of-pocket cost can rise substantially if your treatment plan includes additional services like embryo freezing, frozen transfers, or genetic testing. Depending on your needs, these extras may add $5,000 to $15,000 or more.

And because pricing can vary widely between local clinics for the same services, it’s crucial to request a detailed, itemized estimate before starting treatment.

What’s Included in an IVF Cycle in St. Louis

While each patient’s plan is tailored to their medical situation, most IVF cycles in St. Louis follow this comprehensive process:

• Monitoring Appointments: Multiple bloodwork and ultrasound visits during ovarian stimulation help clinicians track follicle growth, adjust medications, and schedule egg retrieval at the optimal time.
• Egg Retrieval: A brief outpatient procedure, performed under light anesthesia, collects mature eggs, which are then sent directly to the embryology lab.
• Fertilization: In the lab, eggs are fertilized via traditional IVF (mixing eggs and sperm) or ICSI (injecting a single sperm into each egg), used especially in cases of male-factor infertility or prior fertilization issues.
• Embryo Development: Embryos are cultured and closely monitored over several days. Embryologists assess quality and development, grading embryos to select the strongest candidates for transfer or freezing.
• Embryo Transfer: A fresh transfer may occur a few days post-retrieval, or the embryos may be frozen for a Frozen Embryo Transfer (FET) in a later cycle after uterine preparation.
• Fertility medications: These play a crucial role in IVF success, stimulating egg production, supporting the development of the endometrial lining, and sustaining early pregnancy. In St. Louis, medication costs typically range from $2,000 to $8,000 per cycle, often billed separately from clinic fees.

Additional IVF Costs to Keep in Mind in St. Louis

While the base IVF package covers core services, many patients choose or are advised to include additional services that significantly affect the budget:

• Fertility Medications: Although essential, medications are frequently not included in the base price. Depending on protocol, dosage, and pharmacy sourcing, expect to pay $2,000 to $8,000 per cycle.
• Embryo or Egg Freezing and Storage: Freezing embryos or eggs typically costs $600 to $1,000. Ongoing storage fees, charged monthly or annually, vary widely so check with your clinic for long-term costs.
• Frozen Embryo Transfer (FET): A separate FET cycle, required when using frozen embryos, usually costs between $3,500 and $5,000, including monitoring and the embryo transfer procedure.
• Preimplantation Genetic Testing (PGT-A / PGT-M): Genetic screening adds approximately $4,000 to $5,000 per cycle. Because it must be done on embryos that are frozen, it also requires a freeze-thaw cycle and a later FET.
• Donor Eggs: For those using donor eggs, total costs are significantly higher. While CNY Fertility offers donor egg IVF starting at $14,000, full-service St. Louis clinics often charge between $25,000 and $40,000 for a donor cycle.
• Implantation and Immune Support Therapies: Some patients benefit from additional immune or implantation support treatments such as intralipid infusions, IVIG, Neupogen, prednisone, or supplemental hormonal therapies. These can range from a few hundred to $5,000 or more, depending on treatment plans and dosage.

Age and Number of Cycles

IVF success rates decline with age. Patients above age 40 may need multiple cycles, higher drug doses, or donor eggs, all of which escalate total costs.

Affordable IVF Options for St. Louis Residents at CNY Fertility

For many St. Louis couples, traveling out of state can deliver significant savings without sacrificing care quality.

CNY Fertility provides a full-service IVF package starting at $5,769, the most affordable rate for comprehensive care in the US.

Many patients use a hybrid care model, undergoing local monitoring (bloodwork and ultrasounds) in St. Louis, then traveling to a full-service CNY Fertility center for egg retrieval and embryo transfer.

What’s Included in CNY Fertility’s $5,769 IVF Package

CNY Fertility includes many services that are often add-ons elsewhere:

• Egg retrieval with anesthesia
• Intracytoplasmic sperm injection (ICSI)
• Embryo culture and daily monitoring
• Assisted hatching
• Fresh embryo transfer
• Embryo freezing and short-term storage
• Standard fertility medications for stimulation and early pregnancy support

Additional Costs to Consider

Although most services are bundled:

• Local Monitoring in St. Louis
  Approximately $995 for labs and ultrasounds, though partial insurance reimbursement may be available
• Cycle Coordination Fee
  $150 to facilitate communication between your St. Louis provider and CNY Fertility

Is It Worth Traveling from St. Louis?

Even after accounting for travel expenses such as flights, lodging, and meals, St. Louis patients can complete a full IVF cycle with CNY Fertility for under $10,000, often saving several thousand to tens of thousands of dollars compared to local clinic pricing.

Want to Learn More?

Use CNY Fertility’s online cost calculator for a customized estimate or schedule a consultation to determine if this more affordable travel-based model meets your fertility needs.

Does Insurance Cover IVF in St. Louis, Missouri?

Missouri does not mandate IVF coverage by insurance. Whether IVF is included in your plan depends entirely on your personal policy and employer benefits.

Some St. Louis employers offer fertility coverage through benefit platforms like Progyny, WIN Fertility, Maven, Carrot, or Kindbody. These may cover partial or full IVF cycles, medications, diagnostics, and donor services.

Coverage varies widely even between plans with the same insurer. Some may cover only diagnostic evaluations or IUI, while others may cover full IVF with certain restrictions like lifetime limits or prior authorizations.

To Better Understand Your Coverage:

• Review your full insurance documents
• Speak with your HR department about fertility benefits
• Call your insurer’s member services and ask specifically about IVF, medications, cycle caps, and exclusions

If IVF is Not Covered

Many clinics, including CNY Fertility, offer flexible financing options, multi-cycle discounts, or affordable bundled packages to help make treatment more attainable, even for patients paying out of pocket.

IVF Cost in St. Louis: The Bottom Line

Understanding the full cost of IVF in St. Louis is vital for planning your parenthood path. While local clinics offer quality care, treatment can become expensive, especially with multiple cycles or added services.

That’s why a growing number of St. Louis residents choose cost-effective alternatives like CNY Fertility. With transparent packages starting at $5,769, bundled medication, and high-quality care, CNY offers an accessible and affordable path to building a family.