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How Much Does IVF Cost in Chicago?

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

For people in the Chicago metro area exploring in vitro fertilization (IVF), one of the first questions that often comes up is: How much does IVF cost in Chicago?

As you’ll quickly realize, the answer varies widely. Between clinic fees, medications, commonly recommended add-ons, and the potential need for multiple cycles, understanding the true cost of IVF in Chicago can feel complicated.

This guide breaks down what you’re actually paying for, highlights fees often excluded from base pricing, and shares how Chicago patients can access more affordable IVF options without compromising quality.

Quick Answer: What Does IVF Cost in Chicago?

A single IVF cycle in Chicago typically ranges from $15,000 to $30,000, depending on the clinic and whether key services are included.

Many Chicago clinics advertise a lower starting price, but essential components are often billed separately, including:

By comparison, CNY Fertility offers comprehensive IVF packages, including many services Chicago clinics charge extra for, for $7,295–$12,000.

This makes CNY one of the most affordable full-service IVF options available to Chicago residents and in the USA.

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Cost Comparison: Chicago Clinics vs. CNY Fertility

 Average Chicago ClinicCNY Fertility
Cost per IVF cycle$17,000–$32,000$7,295–$12,000
Medication included?No (adds $2,000–$7,000)Discounted medication bundles save $2,000–$3,000
ICSIOften additional (~$1,500)Included
Assisted HatchingExtra ($500–$1,500)Included
Embryo Freezing$1,000–$2,000 + storageIncluded (first-year storage ~$600)
Fresh TransferUsually includedIncluded

Why IVF Prices Vary in Chicago

Most Chicago-area clinics charge $17,000–$32,000 per cycle, while the same all-inclusive cycle at CNY Fertility typically costs $7,295–$12,000.

So, what explains the large price difference?

Cost variation is influenced by:

  • Medication type and dosage
  • Clinic pricing model
  • Insurance participation
  • Add-on laboratory services
  • Number of cycles needed to achieve a live birth
  • Clinic size and regional operating costs

Below, we break down the key cost drivers.

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1. Clinic Choice

Your clinic selection has the biggest impact on final cost.

Many Chicago IVF practices operate in hospital-affiliated or academic settings, which can increase overhead and pricing. There is no universal pricing structure for IVF, meaning similar procedures may cost thousands more depending on the clinic.

2. IVF Medications: $2,000–$7,000

Medications are typically billed separately and represent one of the highest IVF-related expenses.

Pricing varies based on:

CNY Fertility partners with pharmacies to reduce medication costs, helping patients save $2,000–$3,000 per cycle.

3. Lab Procedures and Add-Ons

Many Chicago clinics charge additional fees for services that support embryo development and implantation.

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

These services can add several thousand dollars per cycle. At CNY, they’re included in the base IVF package.

4. Frozen Embryo Transfer (FET) Cost in Chicago

If embryos are frozen for later use, a frozen embryo transfer will be needed.

  • Chicago clinics: $4,000–$6,500
  • CNY Fertility: Around $1,940

Common reasons FET is required:

  • Embryos undergo PGT for genetic screening or gender selection
  • Freeze-all protocol for medical necessity, such as allowing the uterine lining additional preparation time
  • Returning for a future pregnancy using stored embryos
 Average Chicago ClinicCNY Fertility
FET cost$4,000–$6,500Around $1,940
Monitoring included?Often separateIncluded
Storage feesAdditionalFirst-year storage ~$600

5. PGT Cost in Chicago

Preimplantation genetic testing (PGT) evaluates embryos for chromosomal abnormalities and is increasingly recommended for individuals over 35 or with recurrent pregnancy loss.

  • Chicago cost: $4,500–$7,500 (plus FET)
  • CNY Fertility: $2,000–$3,000 (FET ~$945 when bundled)**
 Average Chicago ClinicCNY Fertility
PGT-A$4,500–$7,500$2,000–$3,000
Requires FET?Yes ($4,000–$6,500)Yes ($945 when bundled)

6. Donor Eggs and Donor Sperm

Donor eggs significantly increase IVF cost.

  • Chicago donor egg cycle: $20,000–$40,000+
  • CNY Fertility donor egg package: $9,453, including:

Donor sperm pricing remains similar nationwide: $400–$2,000 per vial, depending on the bank.

 Average Chicago ClinicCNY Fertility
Donor Egg Cycle$20,000–$40,000+$9,453 all-inclusive
Donor Sperm$400–$2,000 per vialSimilar (bank-dependent)

7. Insurance Coverage in Illinois

Illinois is one of the few states with a fertility insurance mandate. But not all employers are legally required to offer fertility benefits, and coverage can varies widely.

Plans may or may not cover:

  • Diagnostic testing
  • IVF treatment
  • Medications
  • Monitoring
  • FET
  • Donor services
  • Storage fees

Always review your plan carefully and contact your HR benefits coordinator for clarification.

8. Clinic Location

Pricing is often highest in dense areas such as Chicago, Evanston, Schaumburg, Naperville, and Oak Brook, where medical facility and staffing costs are higher. 

9. Your Personalized Treatment Plan

Your unique medical situation determines:

  • Which procedures are recommended
  • How much medication you need
  • Whether FET or PGT is necessary
  • How many cycles you may need before success

All of these factors will significantly influence your final costs. 

How Many IVF Cycles Do Most People Need?

More than half of IVF patients require more than one cycle.

On average, patients undergo about 2.3 cycles before a live birth.

If one Chicago cycle costs $15,000–$30,000, two cycles may total $30,000–$60,000.

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

Beware of “Base Price” Advertising

Many Chicago clinics list low introductory pricing that excludes:

  • Medications
  • ICSI
  • Embryo freezing
  • Storage
  • Anesthesia
  • Monitoring

Always request an itemized cost breakdown before committing.

CNY Fertility offers transparent pricing and an online Cost Calculator to help you estimate your total cost.

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Ways to Make IVF More Affordable in Chicago

1. Use HSA or FSA Funds

Using pre-tax dollars may reduce overall treatment cost.

2. Travel or Hybrid-Care Approach

Many Illinois residents travel to CNY Fertility and still save thousands even after travel expenses.

3. Financing Options

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

4. Shared-Risk Refund Programs

CNY’s Fertile Guarantee™ offers a 75% refund if no live birth occurs after six IVF cycles.

5. IVF Grants

Some Chicago-area patients qualify for fertility grants, including CNY’s own program.

Bottom Line: IVF Cost in Chicago

A full IVF cycle in Chicago typically costs $17,000–$32,000, and final pricing is often higher once medications and commonly required services are added.

CNY Fertility offers the same full-service IVF treatment for $7,295–$12,000, making it one of the most affordable IVF options for patients in Chicago and throughout Illinois.

IVF Cost FAQ: Chicago

How much does IVF cost in Chicago?
$17,000–$32,000 per cycle.
CNY: $7,295–$12,000.

How much do IVF medications cost in Chicago?
$2,000–$7,000
CNY negotiated pricing saves ~$2,000–$3,000.

How much does an FET cost?
Chicago: $4,000–$6,500
CNY: around $1,940.

How much does PGT cost?
Chicago: $4,500–$7,500
CNY: $2,000–$3,000 + $945 when bundled.

Does insurance cover IVF in Illinois?
Often yes—depending on employer and plan eligibility under the Illinois mandate.

How many IVF cycles are usually needed?
Most patients need 2+ cycles.
Chicago total: $34,000–$64,000
CNY: $14,000–$23,000 for two cycles.

How much does gender selection cost?
Chicago: $28,000–$45,000
CNY: $10,000–$12,000.

How much does reciprocal IVF cost?
Chicago: $22,000–$35,000
CNY: $8,000–$10,000 (FET $945 if needed).

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