How Much Does IVF Cost Baltimore?

Considering in vitro fertilization (IVF) in Baltimore? Understanding the financial side of treatment is a key part of preparing for your journey.

IVF costs in Baltimore can vary significantly based on the fertility clinic, your medical needs, and whether your plan includes common additional services. 

This guide offers a detailed breakdown of typical IVF costs in Baltimore. It explains what is usually included in a standard cycle, outlines common additional expenses, and explores more affordable options that many patients consider.

What Affects the Cost of IVF in Baltimore

In Baltimore, MD, the cost of a single IVF cycle, including standard fertility medications, typically ranges from $15,000 to $30,000.

However, your final cost can rise depending on your treatment plan. Common services such as embryo freezing, frozen embryo transfers (FET), and preimplantation genetic testing (PGT) can add an additional $5,000 to $15,000 or more.

Because pricing varies widely between clinics for the same services, it’s essential to request a detailed, itemized estimate before starting treatment to understand your full financial commitment.

What’s Included in an IVF Cycle in Baltimore

Although every treatment plan is personalized, most Baltimore fertility clinics follow a familiar process:

• Monitoring Appointments: During ovarian stimulation, you will attend multiple visits for bloodwork and ultrasounds. These appointments enable your care team to monitor follicle growth, adjust medications, and time your egg retrieval for the best outcome.
• Egg Retrieval: Once your follicles are ready, you will undergo a brief outpatient procedure under light anesthesia to collect mature eggs, which are then sent to the lab for fertilization.
• Fertilization: In the lab, your eggs are fertilized either through standard IVF (mixing eggs and sperm) or ICSI (injecting a single sperm directly into each egg). ICSI is often recommended when there are male factor challenges or previous fertilization issues.
• Embryo Development: Embryos are monitored for several days. Embryologists assess their growth and quality to select the strongest embryos for transfer or freezing.
• Embryo Transfer: Depending on your plan, a fresh transfer may occur a few days after retrieval, or embryos may be frozen for a future frozen embryo transfer (FET) cycle.
• Fertility Medications: These medications help stimulate egg production, prepare the uterine lining, and support early pregnancy. In Baltimore, medications typically range from $2,000 to $8,000 per cycle and are often not included in a clinic’s base price.

Additional IVF Costs to Consider in Baltimore

Even when core services are included in a base price, many patients incur additional costs depending on their specific treatment needs. These can include:

• Fertility Medications: As mentioned above, medications are usually billed separately and typically cost between $2,000 and $8,000, depending on protocol and dosage.
• Embryo or Egg Freezing and Storage: Clinics often charge $600 to $1,000 for freezing. Ongoing storage fees vary and may be billed monthly or annually.
• Frozen Embryo Transfer (FET): A separate cycle is needed to transfer frozen embryos. In Baltimore, FET costs typically range from $3,500 to $5,000.
• Preimplantation Genetic Testing (PGT): PGT screens embryos for chromosomal or genetic abnormalities. This service typically adds $4,000 to $5,000 per cycle and requires freezing embryos for later transfer.
• Donor Eggs: IVF costs increase significantly when using donor eggs. While CNY Fertility offers donor egg IVF starting around $14,000, many Baltimore clinics charge between $25,000 and $40,000 per cycle.
• Implantation and Immune Support Therapies: Some patients need additional treatments, such as intralipid infusions, IVIG, Neupogen, prednisone, or hormone therapy. These services can range from a few hundred dollars to over $5,000 depending on the treatment plan.

Age and Number of Cycles

IVF success rates decline with age. Patients over 40 often require multiple cycles, higher medication doses, or the use of donor eggs, all of which can increase the total cost of care.

Affordable IVF Options for Baltimore Residents at CNY Fertility

Due to the high cost of IVF in Baltimore, many patients choose to travel to access more affordable care.

CNY Fertility offers one of the most affordable full-service IVF packages in the United States, starting at $5,800, including standard fertility medications.

Many Baltimore patients use a hybrid care model by completing monitoring appointments (labs and ultrasounds) locally, then traveling to a full-service CNY Fertility location for egg retrieval and embryo transfer.

What’s Included in CNY Fertility’s $5,800 IVF Package

CNY’s bundled package includes services that are often billed separately at other clinics:

• Egg retrieval with anesthesia

• Intracytoplasmic sperm injection (ICSI)

• Embryo culture and daily monitoring

• Assisted hatching

• Fresh embryo transfer

• Embryo freezing and short-term storage

• Standard fertility medications for ovarian stimulation and early pregnancy support

This transparent pricing model helps patients plan confidently and avoid unexpected costs.

Additional Costs to Consider

Even with CNY’s inclusive pricing, a few additional expenses may apply:

Local Monitoring in Baltimore: About $995 for bloodwork and ultrasounds. Some of this may be reimbursed through insurance.

Cycle Coordination Fee: A $150 fee covers communication and coordination between your local monitoring provider and the CNY Fertility team.

Is It Worth Traveling from Baltimore?

For many patients, the answer is yes. Even when factoring in airfare, hotel, and meals, most Baltimore residents complete a full IVF cycle at CNY Fertility for under $10,000.

This is often thousands of dollars less than what they would pay locally, even before accounting for medications and add-ons.

Want to Learn More?

Use CNY Fertility’s online cost calculator to get a personalized estimate or schedule a consultation to explore whether this affordable, travel-friendly care model is right for you.

Does Insurance Cover IVF in Baltimore?

Maryland does have a mandate requiring some insurance plans to cover fertility treatment, including IVF. However, the mandate applies only to certain fully insured health plans and typically excludes self-funded employer plans, which are common.

Whether your IVF is covered in Baltimore depends on your specific insurance policy and employer benefits.

Some Baltimore employers offer fertility benefits through platforms like Progyny, WIN Fertility, Maven, Carrot, or Kindbody. These programs may include partial or full IVF coverage, diagnostic testing, medications, and donor services.

How to Check Your Fertility Benefits

• Review your full insurance policy

• Speak with your HR department about fertility coverage

• Call your insurer and ask specifically about IVF, medication coverage, cycle limits, and exclusions

If Your Plan Does Not Cover IVF

CNY Fertility and other clinics offer financing programs and multi-cycle packages to help make treatment more affordable. CNY Fertility’s in-house financing requires no credit checks, includes a low $40 monthly fee, and allows patients to begin treatment with as little as $200 down.

The Cost of IVF in Baltimore: The Bottom Line

Understanding IVF costs in Baltimore is an important part of planning for your fertility care. While many local clinics offer excellent services, treatment can be expensive, especially if multiple cycles or additional services are needed.

That’s why many Baltimore-area patients turn to more affordable options like CNY Fertility. With transparent, bundled IVF packages starting at $5,800 and a reputation for high-quality care, CNY helps make IVF more financially accessible.