The Real Cost of IVF: What You’ll Actually Pay & How to Save

IVF is one of the most common medical treatments paid for out of pocket. For that reason, many people considering IVF want to know, “How much will this actually cost?” The answer can be surprisingly varied, as prices differ widely by clinic, location, and what’s included.

Between clinic fees, individualized treatment plans, add-on services, inconsistent insurance coverage, and the possibility of multiple cycles, understanding the cost of In Vitro Fertilization (IVF) can feel overwhelming.

In this article, we’ll break down what you’re truly paying for — and how to plan and save.

Quick Answer: What Does IVF Cost? 

In the United States, the all-in cost of one IVF cycle typically ranges from $20,000 to $25,000, though it can exceed $30,000 at some clinics. 

At CNY Fertility, the same complete cycle can cost $7,295 to around $12,000. 

What Drives the Cost of IVF? 

As you can see, IVF pricing varies widely, from around $20,000–$25,000 nationally to $7,295–$12,000 at CNY Fertility for a similar all-in cycle. 

This difference in cost comes down to your individualized needs and several key factors, such as:

• the clinic you choose 
• the medications used and their dosage
• common laboratory add-ons
• The choice or need for additional procedures, such as PGT or a Frozen Embryo Transfer (FET)
• Donor egg and sperm
• insurance coverage
• clinic location

Let’s examine these main variables that influence IVF cost in detail. 

1. Clinic Choice

Your choice of clinic is the single biggest factor affecting IVF cost.

There’s no standardized national pricing system for IVF in the USA. Some clinics simply charge more for the same service. 

At CNY Fertility, the same complete IVF cycle that costs $20,000–$30,000 elsewhere can be done for $7,295–$12,000.

2. Medications ($2,000-$7,000)

Medications are among the most significant cost variables in IVF.  Medication costs can range from $2,000 to more than $7,000, but average around $5,000 per IVF cycle in the USA. 

Prices depend on your protocol, dosage, medication brand vs. generic options, clinic size, and pharmacy pricing. 

Larger clinics like CNY Fertility often secure lower medication pricing for patients by negotiating directly with pharmacy partners. 

At CNY, treatment medication packages are available that can save patients roughly $2,000-3,000 per cycle compared to standard retail pharmacy pricing.

3. Laboratory Procedures and Add-Ons

Many laboratory add ons maybe be recommended or required based on your individual needs to improve fertilization and overal treatment effectiveness.

These core lab techniques are bundled into CNY’s base IVF package, while many other clinics charge separately for each.

4. Frozen Embryo Transfer (FET)

A Frozen Embryo Transfer (FET) involves thawing embryos created in a prior IVF cycle and transferring them at a later time. 

Nationally, FETs average around $5,000. At CNY Fertility, the total cost of an FET, including all monitoring, is around $1,940. 

FETs are often performed when it’s medically preferable to separate the retrieval and transfer. Common examples include: 

• When using PGT or when the uterine lining needs more time to prepare for implantation. 

• After a failed fresh transfer. 

• Following a successful pregnancy, if embryos remain from the original IVF retrieval.

5. Preimplantation Genetic Testing (PGT) Cost

PGT screens embryos for chromosomal abnormalities or known genetic disorders before transfer. 

Nationally, PGT costs an average of $4,000–$5,000, which includes clinic fees (for the biopsy) and genetics lab fees (for the analysis). 

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

Because embryos must be frozen while results are processed, PGT cycles almost always involve a frozen embryo transfer (FET).

6. Donor Eggs and Donor Sperm

Using donor eggs or sperm can add significantly to the total IVF cost. Nationally, donor eggs can add up to $20,000. 

At CNY Fertility, our in-house donor egg package starts at $9,453, and includes: 6 fresh donor eggs.

• ICSI 
• Assisted Hatching 
• Cryopreservation 
• Frozen Embryo Transfer (FET)

We also work with sperm banks for patients using donor sperm. Depending on the bank and vial type, donor sperm generally costs between $400 and $2,000 a vial. ^[20]

7. Insurance Coverage

Only about 25% of Americans have insurance that covers IVF. 

Even when covered, most patients must meet their deductible or pay copays before benefits apply. 

That said, many plans do cover diagnostic testing, lab work, or monitoring, which can significantly reduce out-of-pocket costs.

Always confirm your plan’s fertility benefits and limitations before beginning treatment. 

8. Clinic Location 

The clinic’s location may also affect the price of IVF. 

Some major cities have higher operating costs that drive up treatment prices. However, this isn’t a hard rule. Pricing can vary dramatically from clinic to clinic, even within the same city. 

9. Your Unique Needs

Your age, diagnosis, egg quality, sperm parameters, and treatment history all influence both your medication protocol and how many cycles you may need. 

While some patients succeed in a single round, others may need two or more retrievals and transfers to achieve a live birth. 

How Many IVF Cycles Do Most People Need? 

Studies show that most people need more than one IVF cycle to achieve a live birth. 

The average number of cycles required is approximately 2.3, meaning many patients will need two or more IVF retrievals to have a baby.

Because of this, it’s wise to plan financially for at least two full cycles when budgeting for IVF. 

Considering that most people require two IVF cycles to achieve a live birth, the total cost to bring home a baby often reaches $40,000–$60,000 nationally, compared to $15,000–$24,000 at CNY Fertility, depending on medications and add-on procedures needed in each of those cycles. 

Beware of “Sticker Prices” 

Many fertility clinics advertise a “base” IVF price that covers a minimal level of services.

These prices can be misleading, so it’s always best to get an itemized quote to understand exactly what is included. 

For example, at CNY Fertility, we often highlight our $3,999 IVF package, which includes many of the core IVF services.

This base price doesn’t include monitoring or medications, which are necessary to complete an IVF cycle, or other potential add-on services. 

Fortunately, CNY Fertility is committed to complete IVF cost transparency, outlining exactly what’s included, and we offer an interactive Cost Calculator so you can easily estimate your total IVF cost based on your personal treatment plan. 

Ways to Make IVF More Affordable

1. FSH and HSA Accounts

Use pre-tax dollars from Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA) to cover eligible IVF costs, saving roughly 20–30% depending on your tax bracket. 

2. Travel for Affordable Care

Over 10,000 people travel to CNY Fertility for IVF treatment every year and save tens of thousands of dollars for doing so, even after factoring in airfare and lodging. 

3. Financing

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

Other clinics may also partner with third-party lenders to reduce upfront costs. 

4. Refund and Shared Risk Programs

Programs like CNY’s Fertile Guarantee™ offer a 75% refund on six IVF cycles for $20,000 if no live birth is achieved. 

5. IVF Grants

National and local IVF grants, including the CNY IVF Grant, can help offset or fully cover the cost of treatment. 

The Bottom Line on IVF Costs 

The average cost of one complete IVF cycle in the U.S. is around $20,000–$25,000, but can exceed $30,000 depending on the clinic, location, and add-on services. 

At CNY Fertility, the same treatment typically costs $7,295 to about $12,000, offering patients high-quality care at a fraction of the national average. 

While IVF costs can feel daunting, transparent pricing, in-house financing, and options like FSAs, grants, and shared-risk programs make growing your family more achievable than ever. 

IVF Cost FAQ

How much does IVF cost in 2025? 

Most U.S. clinics charge $20,000–$25,000 per IVF cycle. At CNY Fertility, full-cycle costs range from $7,295–$12,000, including retrieval, ICSI, assisted hatching, and cryopreservation. 

Why does IVF pricing vary so much? 

IVF price depends on your clinic, location, medications, and add-on procedures like PGT or FET. Each of these can raise or lower your total IVF cost. 

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. 

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

Nationally, around $5,000, but $1,940 at CNY Fertility, including monitoring and transfer. 

How much does genetic testing (PGT) cost? 

Usually $4,000–$5,000 nationally, or $2,000–$3,000 at CNY Fertility, depending on embryo count. 

Does insurance cover IVF? 

Only about 25% of Americans have IVF coverage. Check your plan’s fertility benefits and out-of-pocket requirements. 

How many IVF cycles do most people need? 

On average, two or more cycles are needed for a live birth. The total in vitro pregnancy cost can reach $40,000–$60,000 nationally 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 affordable clinics like CNY Fertility to save thousands. 

How much does IVF with gender selection cost?

In the United States, IVF with gender selection typically costs $25,000–$35,000 per cycle, including IVF, medications, and PGT-A testing.

At CNY Fertility, that same comprehensive treatment, including IVF, monitoring, medications, and PGT-A, costs around $10,000–$12,000, depending on your treatment plan and the number of embryos tested.

How much does reciprocal IVF cost?

Nationally, a complete reciprocal IVF cycle averages $20,000–$30,000 per cycle, depending on clinic fees, medications, and procedures.

At CNY Fertility, the same treatment, covering both partners’ monitoring, egg retrieval, fertilization, embryo transfer, and medications, costs as little as $8,000–$10,000, with a Frozen Embryo Transfer (if needed) priced at $945.