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:
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.
Service
Arizona Average
CNY Fertility
Notes
ICSI
~$1,500
Included
Standard at CNY
Assisted Hatching
~$500
Included
Standard at CNY
Embryo Cryopreservation
~$500
Included
First-year storage $600
Arizona clinics often add these fees individually. At CNY, they are bundled into the base IVF package.
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Total to CNY
This is the estimated total paid directly to CNY Fertility for services rendered by CNY.
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Estimated 3rd Party Costs
This is the estimated total paid to third-party facilities for things like medications (which are paid directly to a pharmacy) ultrasound and bloodwork monitoring (if that is not being done at CNY), genetic testing of embryos, and more. The cost of third-party services is highly variable and estimates should always be collected or calculated carefully yourself prior to beginning treatment. CNY Fertility provides these estimates based on internal research for the general convenience of our current and prospective patients. While we intend for these estimates to be accurate, third-party costs are highly variable and CNY Fertility does not warrant or guarantee any price for services conducted or rendered by a third party.
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Grand Total
This is the estimated total paid directly to CNY Fertility for services rendered by CNY.
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National Average:
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The above calculation is for simulation purposes only. It is reflective of self-pay pricing, includes highly variable estimates paid to CNY and third parties, and national averages obtained through internal research, FertilityIQ, ASRM, and Resolve. Billing through insurance will likely result in substantially different fees. CNY Fertility does not warrant or guarantee any price for services conducted or rendered by a third party and recommends everyone obtain written estimates from any medical facility involved in your treatment as well as verification of coverage from your insurance company prior to beginning treatment.
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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.
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.
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.
