How Much Does IVF Cost in Arizona? Breaking Down the Prices

IVF is one of the most common fertility treatments paid for out of pocket. As a result, one of the first questions people in Arizona ask is: “What will IVF actually cost?”

The surprising reality is that prices vary dramatically, depending on the clinic, the treatment plan, and which services are bundled into the base price.

With clinic fees, medications, common add-ons like PGT or Frozen Embryo Transfer (FET), and the possibility of multiple cycles, understanding the true cost of IVF in Arizona can feel overwhelming.

In this guide, we’ll break down what you’re really paying for, and how to plan and save.

What Does IVF Cost in Arizona? Quick Answer

In Arizona, the cost of a single IVF cycle typically ranges from $12,000 to $28,000, depending on the clinic and what is included.

Some clinics list a low base price, but medication, ICSI, assisted hatching, anesthesia, or embryo freezing are often billed separately.

By comparison, at CNY Fertility, a full IVF cycle, including many services Arizona clinics charge extra for, ranges from $7,295 to around $12,000.

What Drives the Cost of IVF in Arizona?

As you can see, IVF pricing in Arizona ranges from about , while the same complete cycle at CNY Fertility costs $7,295–$12,000.

This dramatic difference in prices from clinic to clinic in Arizona ($12,000–$28,000), and between Arizona clinics and CNY Fertility’s price ($7,295 to $12,000) is influenced by several key factors, including:

• the clinic you choose

• medication type and dosage

• commonly recommended laboratory procedures

• add-on services like PGT or Frozen Embryo Transfer

• donor eggs or donor sperm

• insurance coverage

• clinic location

• your unique medical needs

Let’s break down these variables in more detail.

1. Clinic Choice

The clinic you choose is the most significant driver of IVF cost in Arizona.

There is no standardized pricing across the state. Two clinics may offer the same service at very different prices.

Some practices in larger urban areas like Phoenix, Scottsdale, or Tucson charge more due to demand and overhead.

2. Medications ($2,000–$7,000)

Most Arizona clinics do not include medication in their advertised price.

Medication costs typically add $2,000–$7,000 per cycle, depending on:

• stimulation protocol

• dosage

• brand vs. generic medications

• pharmacy pricing

CNY Fertility negotiates discounted pharmacy pricing for patients, and bundled IVF packages can save patients $2,000–$3,000 per cycle compared to standard retail prices.

3. Laboratory Procedures and Add-Ons

Certain lab services are often recommended to improve fertilization and embryo development . And many Arizona clinics charge for each one individually.

Arizona clinics often add these fees individually. At CNY, they are bundled into the base IVF package.

4. Frozen Embryo Transfer (FET)

A Frozen Embryo Transfer (FET) is used when embryos created in a prior cycle are thawed and transferred later.

Most Arizona clinics charge $2,000–$5,000 for a single FET.

At CNY Fertility, a complete FET, including monitoring and transfer, is around $1,940.

Common reasons an FET may be recommended:

• when using PGT

• when the uterine lining needs additional time to prepare for implantation

• after a failed fresh transfer

• when using embryos from a previous successful IVF cycle

5. Preimplantation Genetic Testing (PGT)

PGT screens embryos for chromosomal abnormalities before transfer.

In Arizona, PGT typically costs $4,000–$5,000, including biopsy and lab testing.

At CNY Fertility, PGT ranges from $2,000–$3,000, depending on the number of embryos tested.

Because embryos must be frozen while results are processed, PGT almost always requires a Frozen Embryo Transfer.

6. Donor Eggs and Donor Sperm

Using donor eggs or sperm adds significantly to the total cost.

In Arizona, donor egg cycles can add $15,000–$30,000 to an IVF treatment plan.

At CNY Fertility, the in-house donor egg package starts at $9,453, and includes:

• 6 fresh donor eggs

• ICSI

• Assisted Hatching

• Cryopreservation

• Frozen Embryo Transfer

Donor sperm typically ranges from $400 to $2,000 per vial, depending on the sperm bank and the type of vial used.

7. Insurance Coverage

Arizona does not mandate fertility or IVF coverage.

As a result, most patients self-pay unless they have a generous employer-sponsored plan.

Even when insurance does include IVF benefits, patients often must meet deductibles or copays before benefits apply. However, some plans do cover:

• monitoring

• diagnostic testing

• lab work

Always check your plan for fertility benefits before beginning treatment.

8. Clinic Location

Large metro areas in Arizona may have higher IVF fees due to clinical overhead or demand. However, prices vary dramatically even within the same city.

9. Your Unique Treatment Plan

Your age, diagnosis, medication needs, egg quality, sperm factors, and treatment history all affect cost.

Some people achieve success in a single cycle, but many need two or more retrievals or transfers.

How Many IVF Cycles Do Most People Need?

Studies consistently show that more than half of patients will require more than one IVF cycle.

The average number of cycles needed for a live birth is approximately 2.3, meaning it’s wise to plan and budget for more than one treatment.

In Arizona, because a single IVF cycle ranges from $12,000–$28,000, many patients ultimately spend $24,000–$60,000 to bring home a baby.

At CNY Fertility, two complete cycles typically cost between $15,000 and $24,000, depending on the medications and any additional services.

Beware of “Sticker Prices”

Many Arizona clinics list only a base IVF cost, which often excludes:

• medication

• ICSI

• anesthesia

• assisted hatching

• embryo freezing

• embryo storage

Always ask for a fully itemized quote to understand the true cost.

CNY Fertility openly publishes pricing and offers an interactive Cost Calculator, allowing patients to estimate total cost before starting treatment.

Ways to Make IVF More Affordable

1. FSA and HSA Accounts

Using pre-tax dollars through an FSA or HSA can save roughly 20–30% on eligible IVF expenses.

2. Travel for Affordable Care

Over 10,000 patients travel to CNY Fertility every year and save thousands, even after airfare and lodging, because treatment costs are significantly lower than typical Arizona pricing.

3. Financing

CNY Fertility offers in-house payment plans with a 100% approval rate and as little as 25% down.

Some Arizona clinics also partner with outside lenders to spread costs over time.

4. Refund and Shared-Risk Programs

CNY’s Fertile Guarantee™ offers a 75% refund on six IVF cycles for $20,000 if no live birth occurs.

5. IVF Grants

Some Arizona residents qualify for national and local IVF grants, including the CNY IVF Grant, which can reduce or fully cover treatment costs.

The Bottom Line on IVF Costs in Arizona

A complete IVF cycle in Arizona ranges from $12,000–$28,000, and many patients spend much more once medications and add-on services are included.

At CNY Fertility, that same treatment costs $7,295–$12,000, while still including services that Arizona clinics typically bill à la carte.

With transparent pricing, in-house financing, discounted medications, and grant opportunities, growing your family is more financially achievable than you may have thought! 

IVF Cost FAQ

How much does IVF cost in 2025?

Most Arizona clinics charge $12,000–$28,000 for a full-cycle IVF treatment. At CNY Fertility, complete IVF cycles range from $7,295–$12,000, including retrieval, ICSI, assisted hatching, and cryopreservation.

Why does IVF pricing vary so much?

It depends on the clinic, location, medications, and add-ons such as PGT or FET. Each of these can raise or lower your total price.

How much do IVF medications cost?

Medications typically add $2,000–$7,000 per cycle. CNY Fertility offers discounted medication packages that can save $2,000–$3,000 per cycle.

What is the cost of a Frozen Embryo Transfer (FET)?

At many Arizona clinics, FET costs $2,000–$5,000. At CNY Fertility, the cost is around $1,940, including monitoring and transfer.

How much does genetic testing (PGT) cost?

Most Arizona clinics charge $4,000–$5,000. At CNY Fertility, PGT costs $2,000–$3,000, depending on how many embryos are tested.

Does insurance cover IVF?

Only some plans include IVF benefits in Arizona. Many patients use insurance for diagnostics, bloodwork, or monitoring.

How many IVF cycles do most people need?

On average, two or more IVF cycles are needed for a live birth. Total costs can reach $24,000–$60,000 in Arizona, or $15,000–$24,000 at CNY Fertility.

How can I lower my IVF cost?

Use FSA/HSA funds, apply for IVF grants, explore shared-risk programs, or travel to lower-cost clinics like CNY Fertility.

How much does IVF with gender selection cost?

In Arizona, IVF with gender selection often costs $25,000–$35,000, including IVF, medications, and PGT-A.

At CNY Fertility, that same treatment ranges around $10,000–$12,000, depending on medication needs and number of embryos tested.

How much does reciprocal IVF cost?

Arizona clinics typically charge $20,000–$30,000.

At CNY Fertility, reciprocal IVF,  covering both partners’ monitoring, retrieval, fertilization, and transfer, costs $8,000–$10,000, with a Frozen Embryo Transfer priced at $945 if needed.