How Much Is IVF Without Insurance?
IVF is one of the most common fertility treatments people pay for entirely out of pocket, so one of the first questions many people ask is: How much is IVF without insurance?
Because most insurance plans do not cover IVF at all, or only cover select portions of treatment, understanding the true cost is essential when planning your path to parenthood.
This guide explains what IVF typically costs without insurance, what drives those costs, and how to make treatment more affordable.
Quick Answer: How Much Is IVF Without Insurance?
In the United States, the all-in cost of one full IVF cycle without insurance typically ranges from $20,000 to $25,000, and at some clinics can exceed $30,000 when medications and add-on procedures are included.
At CNY Fertility, a full IVF cycle without insurance typically ranges from $7,295 to about $12,000, depending on medications and add-on services needed.
Because most people require more than one cycle to achieve a live birth, many families ultimately spend $40,000 to $60,000 nationally without insurance coverage.
By comparison, two IVF cycles at CNY Fertility typically total $15,000 to $24,000, depending on individual treatment recommendations.
Service or Component | National Avg Cost | CNY Cost | Estimated % Savings |
IVF cycle (complete cycle) | $22,500 | $7,295-$12,000 | ~47-68% lower |
Medications | $5,000 | $2,500 less | ~50% savings |
ICSI | $1,500 | Included | 100% savings |
Assisted Hatching | $500 | Included | 100% savings |
Cryopreservation | $500 | Included | 100% savings |
Frozen Embryo Transfer (FET) | $5,000 | $1,940 | ~61% lower |
Preimplantation Genetic Testing (PGT) | $4,500 | $2,500 | ~44% lower |
Donor Eggs | $20,000 extra | $9,453 package | ~53% lower |
Donor Sperm | $400–$2,000 | Similar range | varies |
Two IVF cycles (typical for live birth) | $50,000 | $19,500 | ~61% lower |
Why IVF Without Insurance Costs So Much
The cost of IVF includes a number of complex medical procedures and treatments, including:
- Fees for egg retrieval and embryo transfer
- Required and enhancement medications
- laboratory procedures like ICSI and assisted hatching
- Embryo or egg freezing and storage
- necessary or recommended add-ons such as genetic testing, and frozen embryo transfers
Without insurance, every part of the cycle becomes an out-of-pocket expense.
The exact price you pay depends largely on your clinic, your medication dosage, and whether you need common additional procedures.
IVF Cost Without Insurance: Key Factors
Clinic choice
Clinic fees are the single largest cost driver. Some clinics charge $20,000–$30,000 for a full IVF cycle, while others, like CNY Fertility, offer comprehensive IVF cycles for $7,295–$12,000.
Medications ($2,000–$7,000)
Medication costs vary based on your protocol and dosage. Nationally, medications often average $5,000 per cycle. At CNY Fertility, discounted medication packages can save approximately $2,000–$3,000 per cycle.
Laboratory services
Many clinics charge separate fees for ICSI, assisted hatching, and cryopreservation. At CNY Fertility, these services are included in the base IVF package. This can reduce total cost by several thousand dollars.
Frozen Embryo Transfer (FET)
Nationally, FETs average around $5,000. At CNY Fertility, a full FET cycle, including monitoring, is about $1,940.
Preimplantation Genetic Testing (PGT)
PGT typically costs $4,000–$5,000 nationally. At CNY Fertility, a typical PGT cycle costs $2,000–$3,000, including biopsy fees and genetic testing.
Donor eggs or sperm
Donor egg cycles in the United States often add $15,000–$20,000 to the total IVF cost. At CNY Fertility, donor egg packages start at $9,453 for six eggs and include ICSI, assisted hatching, cryopreservation, and a frozen embryo transfer.
Donor sperm typically costs between $400 and $2,000 per vial, depending on the bank and type of vial.
Location
Some regions and major metro areas have higher clinic fees, though pricing often varies dramatically even within the same city.
How Many IVF Cycles Are Needed?
Over half of all IVF patients will require more than one IVF retrieval to achieve a live birth. The average number is 2.3 cycles, which means many families should plan for two IVF retrievals when budgeting.
Without insurance, this means many families will spend $40,000–$60,000 at standard national pricing, or $15,000–$24,000 at CNY Fertility.
Beware of “Base Prices”
Many clinics advertise a low “starting price” for IVF. These usually do not include required components like:
- medications
- monitoring
- ICSI
- cryopreservation
- anesthesia
- embryo storage
Always ask for an itemized quote so you understand the true out-of-pocket cost. At CNY Fertility, IVF cost transparency is central to our mission, and we provide complete breakdowns of what’s included along with an interactive Cost Calculator to estimate your total cost.
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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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Ways to Lower IVF Costs Without Insurance
Use FSA or HSA funds
Paying with pre-tax dollars can reduce your effective cost by 20–30% depending on your tax bracket.
Travel for affordable care
More than 10,000 patients each year travel to CNY Fertility and save tens of thousands of dollars, even after airfare and lodging.
Payment plans
Many clinics offer financing. CNY Fertility offers in-house payment plans with approval rates around 100% and the option to pay over time.
Refund and shared-risk programs
Programs like CNY Fertility’s Fertile Guarantee offer up to a 75% refund if no live birth is achieved after six cycles.
Grants and saving programs
National grants, local organizations, and CNY’s own IVF grant programs can help offset or fully fund treatment for qualifying individuals.
Bottom Line: How Much Is IVF Without Insurance?
Most people without insurance spend $20,000–$25,000 per IVF cycle nationally, and often much more once medications and add-on services are included. At CNY Fertility, comprehensive IVF cycles typically cost $7,295 to about $12,000, providing patients full IVF treatment at a fraction of the national average.
While IVF without insurance can feel financially overwhelming, transparent pricing, discounted medication packages, financing options, and travel-friendly treatment models make high-quality IVF accessible to more families than ever before.
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