How Much Does IVF Cost in Chicago?
If you’re exploring IVF in Chicago, getting a clear understanding of the costs can help you make informed decisions with greater confidence.
Prices can vary widely across the city depending on the clinic you choose, your specific medical situation. This guide gives you a realistic view of what IVF typically costs in Chicago, highlights common add-on expenses, and introduces more affordable out-of-state options that offer comparable care for a significantly lower price.
What Factors Into the Cost of IVF in Chicago?
If you’re looking into IVF in Chicago, you’ll likely find that a single cycle typically ranges from $15,000 to $30,000, with standard fertility medications included. However, many patients end up spending more than this initial estimate.
That’s because services like embryo freezing, PGT-A (preimplantation genetic testing), long-term embryo storage, and supplemental medications are often not part of the base price. Depending on your specific treatment plan, these extras can add $5,000 to $15,000 or more.
Costs can also vary significantly between clinics, even for the same procedures.
To stay ahead of unexpected costs, ask each clinic for a detailed, itemized breakdown of what’s included.
What’s Typically Included in an IVF Cycle in Chicago
If you’re starting IVF treatment in Chicago, it helps to know what a standard cycle generally involves. While your clinic will customize your plan based on your needs, most IVF cycles follow a similar structure. Here’s what you can typically expect:
Monitoring appointments
Throughout ovarian stimulation, you’ll visit your clinic several times for ultrasounds and blood tests. These appointments help your care team track follicle growth and adjust your medication as needed.
Egg retrieval
This minor outpatient procedure is performed under light sedation. Mature eggs are collected from the ovaries and sent directly to the lab for fertilization.
Fertilization
In the embryology lab, your eggs are combined with sperm using either conventional IVF or ICSI (intracytoplasmic sperm injection), which is commonly recommended when male factor infertility is a concern.
Embryo development
Fertilized eggs are closely monitored over the next few days. Embryologists assess which embryos show the strongest development and are most suitable for transfer or freezing.
Embryo transfer
Depending on your protocol, a fresh embryo may be transferred a few days after retrieval, or you may return later for a frozen embryo transfer.
Fertility medications
Medications play a key role in supporting egg production and early implantation. These are usually not included in the base IVF package and can cost an additional $2,000 to $8,000 per cycle, depending on your prescription.
Additional IVF Costs to Keep in Mind in Chicago
Most fertility clinics in Chicago offer a base IVF package that covers the core steps of treatment, but many patients discover that the final cost can increase by $5,000 to $15,000 or more, depending on their unique needs.
Here are some of the most common add-on expenses you might encounter:
Fertility medications
Medications used to stimulate the ovaries and support early pregnancy are essential to the IVF process but are often billed separately. In Chicago, medication costs typically range from $2,000 to $8,000 per cycle, depending on your dosage and drug protocol.
Embryo or egg freezing and storage
If you choose to preserve extra embryos or eggs, initial freezing generally costs between $600 and $1,000. Ongoing storage fees are charged annually and vary by clinic.
Frozen embryo transfer (FET)
If you plan to use frozen embryos in a later cycle, you’ll need a separate FET procedure. In Chicago, this typically costs between $3,500 and $5,000.
Preimplantation genetic testing (PGT)
PGT allows your care team to screen embryos for chromosomal abnormalities before transfer. This service usually adds $4,000 to $5,000 and requires embryos to be frozen while testing is completed.
Donor eggs
Costs for using donor eggs can vary significantly. Accessible options from CNY fertility start around $14,000, while programs at other clinics can total between $25,000 and $40,000.
Implantation and immune therapies
Some clinics offer immune support treatments like IVIG or intralipid infusions to help improve implantation outcomes. These therapies can range from $500 to over $5,000, depending on the protocol.
Age and number of cycles
IVF success rates tend to decrease with age, particularly after 40. Patients in this group often require multiple cycles, donor eggs, or additional testing, all of which can significantly increase the overall cost of treatment.
Lower-Cost IVF Options for Chicago Residents at CNY Fertility
If you’re navigating IVF costs in Chicago, you’ve likely noticed how quickly they can add up. For those seeking a more affordable option without sacrificing quality, traveling to CNY Fertility could be a smart move.
Many patients in the Chicago area choose a hybrid model. They handle early monitoring, such as labs and ultrasounds, with a local provider, then travel to a CNY Fertility location for egg retrieval and embryo transfer.
What’s Included in CNY Fertility’s $5,769 IVF Package
CNY Fertility offers an all-inclusive IVF package starting at $5,769, and that includes standard fertility medications. This bundled price covers many services that are typically billed separately at other clinics:
- Egg retrieval with anesthesia: A brief outpatient procedure to collect mature eggs after stimulation
- ICSI (Intracytoplasmic Sperm Injection): A lab technique often used in cases involving male factor infertility
- Embryo culture and monitoring: Embryologists closely track embryo growth to identify the healthiest for transfer or freezing
- Assisted hatching: A method that helps embryos implant more easily in the uterus
- Fresh embryo transfer: Transfer of one or more embryos a few days after fertilization
- Embryo freezing and storage: Cryopreservation of any additional embryos for future use
- Standard medications: Includes key drugs for ovarian stimulation and early hormonal support
Unlike many clinics in the Chicago area that charge separately for services like ICSI, assisted hatching, or embryo freezing, CNY includes them in a flat rate, making your total cost more predictable.
Other Costs to Consider for Chicago Patients
Local monitoring: Most patients complete their early testing with a local provider, which typically costs around $995. Some or all of this may be reimbursed depending on your insurance coverage.
Cycle coordination: CNY charges a $150 coordination fee to ensure smooth communication with your local care team.
Is It Worth Traveling from Chicago?
Even when you factor in airfare, hotel, and meals, many Chicago patients complete a full IVF cycle through CNY Fertility for under $10,000, thousands less than what many local clinics charge for IVF alone.
Explore This Option
You can use CNY Fertility’s cost calculator to estimate your full expenses or schedule a consultation to see if this travel-based model fits your fertility goals.
{{ treatments[treatment_selected]['data']['footnote'] }} 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. 1 USD = {{currency.rates[currentCurrency]}} {{currentCurrency}} Illinois has one of the strongest fertility insurance mandates in the country. If you have a fully insured plan issued in Illinois with pregnancy-related benefits, your plan is required by law to cover infertility treatment, including IVF. However, self-insured employer plans and religious organizations may be exempt. What to Know: In Chicago, the cost of a single IVF cycle typically ranges from $15,000 to $30,000, including standard fertility medications. However, for many patients, that’s just the starting point. Depending on the clinic, your diagnosis, and the details of your treatment plan, the total cost can rise quickly. Add-on services like embryo freezing, frozen embryo transfers (FET), and preimplantation genetic testing (PGT) can add several thousand dollars more. While these options may play an important role in your care, they also contribute to the overall financial weight of IVF treatment. If keeping costs manageable is a priority, it may be worth considering clinics outside of Illinois. CNY Fertility, for instance, offers all-inclusive IVF packages starting at $5,769, with standard medications included. For many Chicago-area patients, the savings can be significant without compromising quality of care. For IVF Grant Announcements, Fertility News and More!Automatically Included
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IVF Costs in Chicago: What to Expect
