IVF Cost Memphis, TN

For individuals and couples in Memphis considering in vitro fertilization (IVF), understanding the financial side of treatment is a critical part of preparing for your fertility journey.

IVF costs in Memphis can vary considerably depending on the clinic, your specific medical needs, and whether your treatment plan includes optional services that often add thousands of dollars to your final bill.

This guide breaks down the typical cost of IVF in Memphis, outlines what’s usually included in a standard IVF cycle, highlights additional costs you may encounter, and explores more affordable options some patients pursue to help reduce the financial burden of treatment.

What Affects the Cost of IVF in Memphis

In Memphis, a single IVF cycle that includes standard fertility medications typically costs between $15,000 and $30,000.

However, the total price can rise quickly depending on the services included in your treatment. Add-ons such as embryo freezing, frozen embryo transfers (FET), or preimplantation genetic testing (PGT) may increase the overall cost by $5,000 to $15,000 or more.

Because pricing and packaging vary widely between clinics, even for the same procedures, it’s important to ask for an itemized breakdown so you understand exactly what’s covered.

What’s Typically Included in an IVF Cycle in Memphis

While every fertility plan is customized to the individual, most IVF cycles in Memphis follow a similar clinical structure:

• Monitoring appointments: You’ll attend several visits for bloodwork and ultrasound scans during ovarian stimulation. These help your care team monitor follicle growth and adjust medications if needed.

• Egg retrieval: Once follicles are mature, you’ll undergo a brief outpatient procedure under sedation to collect the eggs.

• Fertilization: Eggs are fertilized using standard IVF or ICSI (intracytoplasmic sperm injection), a method often used in cases involving male factor infertility or previous fertilization problems.

• Embryo development: Embryologists monitor and grade embryos for several days to determine which are most viable for transfer or freezing.

• Embryo transfer: A fresh transfer usually occurs 3–5 days after retrieval. If frozen embryos are used, transfer occurs in a later cycle after the uterus is prepared.

• Fertility medications: Medications to stimulate egg development, prepare the uterine lining, and support early pregnancy often cost between $2,000 and $8,000 per cycle and may not be included in the clinic’s base price.

Additional IVF Costs to Be Aware of in Memphis

Even if your clinic offers a package including all the essential services above, you may encounter added costs depending on your diagnosis and preferences:

• Fertility medications: As noted, these are often billed separately and vary depending on the protocol and dosage.

• Embryo or egg freezing and storage: Initial freezing typically costs $600 to $1,000, with storage fees billed monthly or annually.

• Frozen embryo transfer (FET): Using frozen embryos requires a separate cycle, which usually costs $3,500 to $5,000 in Memphis.

• Preimplantation genetic testing (PGT): PGT, which screens for genetic or chromosomal abnormalities, adds around $4,000 to $5,000 per cycle.

• Donor eggs: For patients using donor eggs, total costs increase significantly. While CNY Fertility offers donor egg IVF starting around $14,000, many Memphis clinics charge between $25,000 and $40,000.

• Implantation and immune support therapies: Additional treatments like intralipid infusions, IVIG, Neupogen, or supplemental hormones can range from several hundred dollars to over $5,000, depending on the plan.

Age and Number of IVF Cycles

IVF success rates generally decrease with age. Patients over 40 may require more than one cycle, higher medication dosages, or donor eggs to achieve pregnancy, all of which can significantly raise total treatment costs.

A More Affordable IVF Option for Memphis Residents: CNY Fertility

Given the high price of IVF locally, many patients in Memphis explore more cost-effective options out of state.

CNY Fertility offers one of the most affordable IVF packages in the U.S., with an all-inclusive cycle starting at $5,800, including standard fertility medications.

Many Memphis-area patients utilize a hybrid care model, where they complete their monitoring locally and travel to a CNY Fertility location for egg retrieval and embryo transfer.

What’s Included in CNY Fertility’s $5,800 IVF Package

CNY’s bundled IVF cycle includes several services that are typically billed separately at other clinics:

• Egg retrieval with anesthesia

• Intracytoplasmic sperm injection (ICSI)

• Embryo culture and development monitoring

• Assisted hatching

• Fresh embryo transfer

• Embryo freezing and short-term storage

• Standard medications for ovarian stimulation and early pregnancy support

This comprehensive approach helps reduce financial uncertainty and simplifies treatment planning.

Additional Costs to Consider

Even with CNY’s bundled pricing, a few extra expenses may apply:

• Local Monitoring in Memphis: Approximately $995 for bloodwork and ultrasounds. Some of this may be covered by insurance.

• Cycle Coordination Fee: A $150 fee covers coordination between your local provider and the CNY Fertility team.

Is It Worth Traveling from Memphis?

For many patients, the answer is yes. Even when you factor in travel expenses—airfare, lodging, meals—most still complete a full IVF cycle with CNY Fertility for under $10,000.

This is often significantly less than what they would spend locally, even before considering add-ons and medications.

Want to Learn More?

Use CNY Fertility’s online cost calculator to get a personalized estimate, or schedule a consultation to see whether this affordable, travel-friendly option is right for you.

Does Insurance Cover IVF in Memphis?

Tennessee does not require insurance providers to cover IVF. As a result, coverage depends entirely on your individual plan and whether your employer offers fertility benefits.

Some Memphis-based employers offer fertility coverage through programs like Progyny, WIN Fertility, Carrot, Kindbody, or Maven. These may cover some or all IVF-related costs, including medications and donor services—but benefits vary.

How to Check Your Fertility Benefits

• Speak with your HR or benefits department

• Call your insurance provider and ask about IVF coverage, medication benefits, and any cycle or lifetime limits

If Your Insurance Doesn’t Cover IVF

CNY Fertility and other clinics offer financing options and multi-cycle discounts for those paying out of pocket. CNY’s in-house financing features no credit check, a low $40 monthly fee, and the ability to begin treatment with just $200 down.

The Bottom Line on IVF Costs in Memphis

Understanding the costs of IVF in Memphis is key to making informed decisions about your fertility care. While many local clinics provide excellent treatment, prices can be prohibitively high for those without insurance coverage.

CNY Fertility offers an affordable, high-quality alternative. With IVF packages starting at $5,800, bundled medications, and a reputation for compassionate care, it’s a powerful option for patients seeking to grow their families without overwhelming financial strain.