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How Much Does IVF Cost in Missouri?

By CNY Fertility Updated on
How Much Does IVF Cost in Missouri?

For Missourians exploring fertility treatment, one of the first questions is: How much does IVF cost in Missouri?
The truth is, prices vary significantly from clinic to clinic and depend on what’s included, or not, in the quoted fee.

Between clinic charges, essential add-ons, and common extra services like frozen embryo transfer (FET) or genetic testing (PGT), understanding the real price of IVF in Missouri can feel complicated.

This guide breaks down typical Missouri IVF pricing, hidden add-on costs, and how patients can access affordable IVF options without compromising quality care.

Quick Answer: What Does IVF Cost in Missouri?

A typical IVF cycle in Missouri ranges from $12,000 to $25,000, depending on the clinic and whether key services are bundled or billed separately.

Many Missouri fertility centers advertise lower base prices but then charge extra for medications, ICSI, anesthesia, assisted hatching, embryo freezing, and monitoring.

By comparison, CNY Fertility offers full IVF cycles, including many services billed separately elsewhere, for $7,295 to about $12,000. That makes CNY one of the lowest-cost IVF options for Missouri patients.

Cost Comparison: Missouri Clinics vs. CNY Fertility

 Average Missouri ClinicCNY Fertility
Cost per IVF cycle$12,000–$25,000$7,295–$12,000
Medication included?Usually No (adds $2,000–$7,000)Discounted medication packages save $2,000–$3,000
ICSI included?Often billed separately (~$1,500)Included
Assisted HatchingAdd-on fee ($500–$1,500)Included
Embryo FreezingAdd-on fee ($1,000–$2,000 + storage)Included (first-year storage $600)
Fresh TransferUsually includedIncluded
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Why IVF Prices Vary in Missouri

While most Missouri clinics charge $12,000–$25,000 per cycle, the same comprehensive IVF cycle at CNY Fertility costs $7,295–$12,000.  What explains the wide difference?

  • Clinic pricing structure
  • Medication protocol and dosage
  • Expensive add-ons like PGT or FET
  • Embryo freezing and storage fees
  • Donor egg or sperm use
  • Insurance coverage
  • Clinic location
  • Individual treatment needs

Let’s take a closer look at each factor.

1. Clinic Choice

Your choice of fertility clinic has the greatest impact on cost.

Missouri fertility clinics do not follow standardized pricing. Two centers may charge dramatically different rates for nearly identical IVF procedures.

Clinics in St. Louis, Kansas City, and Columbia often have higher prices due to operating costs and demand.

2. IVF Medications: $2,000–$7,000

Most Missouri clinics do not include medication costs in their base price.
Your medication expenses depend on:

  • Dosage and protocol
  • Brand vs. generic options
  • Pharmacy pricing

CNY Fertility partners directly with pharmacies to secure lower prices, saving Missouri patients $2,000–$3,000 per cycle compared to typical retail costs.

3. Lab Procedures and Common Add-Ons

Many Missouri clinics bill separately for essential laboratory procedures.

ServiceVermont AverageCNY FertilityNotes
ICSI~$1,500IncludedStandard at CNY
Assisted Hatching~$500-$1,500IncludedStandard at CNY
Embryo Cryopreservation~$1,000-$2,000IncludedFirst-year storage ~$600

These add-ons often push the real Missouri IVF cost far above the advertised base price. At CNY Fertility, they’re built into the all-inclusive package.

4. Frozen Embryo Transfer (FET) Cost in Missouri

If embryos are frozen for later use, a separate FET is required.

  • Missouri clinics: $4,000–$5,000
  • CNY Fertility: around $1,940, including monitoring and transfer

Common reasons for FET:

  • Using PGT to screen for genetic abnormalities and/or for gender selection
  • “Freeze-all” protocols in which the patient plans on freezing all embryos for future transfer
  • Allowing more time for optimizing uterine conditions for implantation
  • Planning for future transfers after a previously successful cycle
 Average Missouri ClinicCNY Fertility
FET cost$4,000–$5,000Around $1,940
Monitoring included?Often extraIncluded
Embryo storage feesAdditionalFirst-year storage $600

5. PGT Cost in Missouri (Preimplantation Genetic Testing)

PGT screens embryos for genetic or chromosomal abnormalities before transfer.

  • Missouri price: $4,000–$5,000 (plus FET cost)
  • CNY Fertility: $2,000–$3,000, depending on embryos tested (FET $945 when bundled)

Because PGT requires embryos to be frozen during testing, patients also need an FET — but this is offered at a significantly discounted price at CNY.

 Average Missouri ClinicCNY Fertility
PGT-A total cost$4,000–$5,000$2,000–$3,000
Requires FET?Yes ($4,000–$5,000)Yes ($945 when bundled)

6. Donor Eggs and Donor Sperm

Donor eggs can substantially increase the total IVF price.

  • Missouri donor egg IVF: $15,000–$30,000 (in addition to IVF)
  • CNY Fertility donor egg package: starts at $9,453 and includes:
    • 6 fresh donor eggs
    • ICSI
    • Assisted Hatching
    • Cryopreservation
    • Frozen Embryo Transfer (FET)

Donor sperm typically costs $400–$2,000 per vial, depending on the bank.

 Average Missouri ClinicCNY Fertility
Donor Egg Cycle$15,000–$30,000$9,453 (in-house package)
What’s included?Eggs only in many cases6 fresh eggs + ICSI + AH + Cryo + FET
Donor Sperm$400–$2,000 per vial$400–$2,000 per vial (depends on bank)

7. Does Insurance Cover IVF in Missouri?

Missouri does not have a state law requiring insurance companies to cover IVF.

Some large employers voluntarily offer partial fertility benefits, but most patients pay out of pocket.

Check your plan for:

  • Coverage for testing or medications
  • Fertility diagnostic benefits
  • IVF cycle limitations or exclusions

8. Missouri Fertility Clinic Location

Prices are generally higher in large urban centers like St. Louis or Kansas City. Smaller regional clinics may cost slightly less but can vary widely in quality and offerings.

9. Your Treatment Plan

Your specific medical factors, such as age, ovarian reserve, sperm quality, and prior treatment history, determine both cost and success likelihood.

How Many IVF Cycles Do Most People Need?

Research shows that many people need more than one IVF cycle to achieve a live birth.
The average number of cycles required is approximately 2.3.

If a single IVF cycle in Missouri costs $12,000–$25,000, two or more cycles can total $24,000–$50,000.

At CNY Fertility, two full cycles generally cost $14,000–$23,000, depending on medications and add-ons.

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Watch Out for Low “Base Price” Advertising

Many Missouri clinics market low IVF starting prices that exclude major services like:

Always request a detailed, itemized quote before commencing treatment.

CNY Fertility offers transparent pricing and a free Cost Calculator to estimate your full IVF cost.

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Ways to Make IVF More Affordable in Missouri

1. Use FSA or HSA Funds

Paying with pre-tax dollars can save 20–30% on IVF costs.

2. Travel for Lower-Cost Care

Many Missouri patients travel to CNY Fertility and still spend less overall — even after airfare and lodging — because base IVF and medication costs are so much lower.

3. Financing Options

CNY offers in-house financing with 100% approval and as little as 25% down.

4. Shared-Risk Refund Programs

CNY’s Fertile Guarantee™ refunds 75% of the cost after six IVF cycles if no live birth occurs.

5. IVF Grants

Some Missouri residents qualify for national and local IVF grants, including the CNY IVF Grant.

Bottom Line: IVF Cost in Missouri

A complete IVF cycle in Missouri typically costs $12,000–$25,000, and the final price often rises once medications and add-ons are included.

At CNY Fertility, full-cycle IVF costs $7,295–$12,000 — one of the most affordable IVF options for Missouri residents seeking high-quality, comprehensive care.

IVF Cost FAQ (Missouri)

How much does IVF cost in Missouri?
Most clinics charge $12,000–$25,000 per cycle.
CNY Fertility ranges $7,295–$12,000, including retrieval, ICSI, assisted hatching, and cryopreservation.

How much do IVF medications cost in Missouri?
Typically $2,000–$7,000.
CNY’s discounted medication programs can save $2,000–$3,000.

How much does an FET cost in Missouri?
Missouri clinics: $4,000–$5,000
CNY Fertility: around $1,940

How much does PGT cost in Missouri?
Missouri: $4,000–$5,000
CNY: $2,000–$3,000, plus FET at $945 if bundled.

Does insurance cover IVF in Missouri?
No state mandate. Most patients pay out of pocket unless their employer offers fertility benefits.

How many IVF cycles do most people need?
Two or more cycles are common.
Missouri total cost: $24,000–$50,000
CNY Fertility: $14,000–$23,000 for two cycles.

How much does IVF with gender selection cost in Missouri?
Missouri IVF + PGT-A: $25,000–$35,000
CNY: $10,000–$12,000

How much does reciprocal IVF cost in Missouri?
Missouri clinics: $20,000–$30,000
CNY Fertility: $8,000–$10,000, with FET $945 if needed.

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