Frozen Embryo Transfer (FET) Cost: What You Need to Know

A Frozen Embryo Transfer (FET) is either recommended or required to complete many IVF cycles. Because most IVF patients undergo at least one FET—and because FETs are almost always billed separately—one of the first questions people ask is: “How much does a Frozen Embryo Transfer cost?”

Like most fertility treatments, the cost varies depending on the clinic, what’s included, your medication protocol, and whether your insurance provides benefits. This guide breaks it all down.

Quick Answer: What Does a Frozen Embryo Transfer Cost?

Across the United States, the average cost of a Frozen Embryo Transfer ranges from $4,000-$6,900

At CNY Fertility, the same complete FET, including medications and monitoring, costs around $1,940

Why FET Costs Vary

As with IVF costs in general, several factors determine the total cost of a frozen embryo transfer:

• The clinic you choose
• Medication protocol
• Insurance coverage

Below is a closer look at each factor that affects FET pricing.

1. Clinic Choice

Clinic choice is the largest source of variation. FET fees differ widely, with no standardized national structure, so one clinic may charge $3,500 while another charges $7,000+ for essentially the same procedure.

Most clinics charge around $5,000 for a frozen embryo transfer.

At CNY Fertility, a full FET cycle costs around $1,940, offering significant savings while still providing comprehensive, high-quality care.

2. Medications

Medication needs vary depending on whether your transfer is medicated, natural, or modified natural.

• Medicated FET: Uses estrogen and progesterone to prepare the uterine lining and precisely schedule the transfer.

• Natural FET: Relies on your body’s own ovulation with little to no medication.

• Modified Natural FET: A mostly natural cycle with minimal medication—usually just a trigger shot to time the embryo transfer more predictably.

At many clinics, medicated or modified natural cycles add several hundred to a thousand dollars to the base FET price. At CNY Fertility, these medications are included if purchasing an IVF bundle.

3. Insurance Coverage

Only about 25% of Americans have ivf insurance coverage, and even then, coverage varies widely.

Plans may cover:

• Monitoring

• Diagnostic testing

• Medications

Others exclude FET entirely. Even with coverage, you may still owe copays, deductibles, or non-covered services. Always verify benefits before starting your cycle.

How Many FET Cycles Do Most People Need?

Success rates vary based on age, embryo quality, and diagnosis. Because most patients need more than one FET and even multiple IVF retrieval cycles to achieve a live birth, many also undergo multiple frozen transfers, especially if multiple embryos were created earlier.

Because of this, many patients budget for more than one FET and the possibility of an additional IVF cycle if needed.

Ways to Make a Frozen Embryo Transfer More Affordable

There are several ways to reduce the cost of FET:

1. FSA or HSA Accounts

Use pre-tax dollars to save 20–30% depending on tax bracket.

2. Travel for Affordable Care

Over 10,000 patients travel to CNY for treatment because the total cost, even with airfare and lodging, is still usually thousands of dollars lower than treatment elsewhere.

3. Financing

Many companies offer fertility-focused loans. CNY offers in-house financing with 100% approval and as little as 25% down.

4. Grants and Discount Programs

Grant programs like the CNY IVF Grant can offset or fully cover treatment.

The Bottom Line on FET Cost

The average Frozen Embryo Transfer cost in the U.S. is around $5,000, and can be higher depending on add-ons, medications, and monitoring.

At CNY Fertility, the same complete cycle, including monitoring, costs about $1,940.

For many patients, transparent pricing, financing, grant opportunities, and bundled treatment options make FET more accessible and financially manageable.