How Much Does IVF Cost in Minneapolis?

For individuals and couples in Minneapolis pursuing in vitro fertilization (IVF), understanding the financial side of treatment is a crucial part of preparing for the road ahead.

IVF can be a life-changing opportunity to build a family, but for many, the cost can be a significant barrier.

IVF pricing varies not only between clinics but also between patients, depending on your medical history and whether additional services are recommended or required.

This guide offers a detailed breakdown of typical IVF costs in the Minneapolis area, outlines what a standard cycle includes, and explores strategies to access quality care at a lower cost.

What Affects the Cost of IVF in Minneapolis

In Minneapolis, the average cost of one IVF cycle—including standard fertility medications—typically falls between $15,000 and $30,000.

If your treatment plan includes additional services such as embryo freezing, frozen embryo transfers, or preimplantation genetic testing (PGT), your total cost can increase significantly, sometimes by $5,000 to $15,000 or more.

Because pricing for the same services can vary substantially between clinics for identical services, it’s essential to request a detailed, itemized quote before you begin treatment.

What’s Included in an IVF Cycle in Minneapolis

Although your treatment plan will be customized based on your medical needs, most IVF cycles in Minneapolis follow a standard structure:

• Monitoring Appointments: Throughout ovarian stimulation, you’ll undergo several appointments involving blood tests and ultrasounds to assess hormone levels and follicle development. This helps tailor your medication and time the egg retrieval and implantation procedures. 

• Egg Retrieval: Once follicles have matured, a brief outpatient procedure under light anesthesia is used to retrieve the eggs. These are immediately sent to the lab for fertilization.

• Fertilization: In the lab, fertilization occurs either through traditional IVF (placing eggs and sperm in a dish) or ICSI (intracytoplasmic sperm injection), a method commonly used in cases of male-factor infertility or past fertilization failures.

• Embryo Development: The resulting embryos are monitored closely for several days. Embryologists assess growth and quality to determine which embryos are best suited for transfer or freezing.

• Embryo Transfer: You may receive a fresh transfer a few days after retrieval or choose to freeze embryos for a later transfer. Frozen embryo transfers (FET) require additional preparation of the uterine lining and monitoring.

• Fertility Medications: Medications play a vital role in every stage of IVF. They stimulate egg production, support uterine lining development, and help sustain early pregnancy. In Minneapolis, medication costs typically range from $2,000 to $8,000 per cycle and are often billed separately from clinic services.

Additional IVF Costs to Consider in Minneapolis

Even when a base package is offered, many clinics charge additional fees for services that are frequently recommended or necessary. These may include:

• Fertility Medications: Though mentioned above as “essential”, medications are not typically included in package pricing. Expect to spend between $2,000 and $8,000, depending on your dosage and protocol.

• Embryo or Egg Freezing and Storage: Freezing services generally cost between $600 and $1,000, with additional monthly or annual storage fees depending on the clinic.

• Frozen Embryo Transfer (FET): FET cycles, which include uterine lining preparation and monitoring, typically range from $3,500 to $5,000 in Minneapolis.

• Preimplantation Genetic Testing (PGT): PGT adds $4,000 to $5,000 to your treatment plan and requires freezing embryos, followed by a separate FET cycle.

• Donor Eggs: For patients using donor eggs, the overall cost rises significantly. While CNY Fertility offers donor egg IVF from $14,000, many Minneapolis clinics charge between $25,000 and $40,000 per cycle.

• Implantation and Immune Support Therapies: Some patients benefit from immune or hormonal support treatments such as intralipid infusions, IVIG, Neupogen, prednisone, or additional estrogen and progesterone. These treatments may range from a few hundred dollars to over $5,000, depending on the protocol.

Age and the Number of Cycles

As fertility declines with age—especially after 40—many patients require more than one IVF cycle, increased medication dosages, or donor eggs. These needs can substantially raise the total cost of treatment.

Affordable IVF Options for Minneapolis Residents at CNY Fertility

For many Minneapolis patients, traveling out of state provides an opportunity to access high-quality care at a fraction of the typical cost.

CNY Fertility provides one of the most affordable full-service IVF packages in the country, starting at $5,769, including standard medications.

Many patients in the Minneapolis area opt for a hybrid care approach, which involves completing initial monitoring (blood work and ultrasounds) locally, followed by traveling to a full-service CNY Fertility location for egg retrieval and embryo transfer.

What’s Included in CNY Fertility’s $5,769 IVF Package

This comprehensive package covers many services that are typically billed as add-ons 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 stimulation and early pregnancy support

Additional Costs to Plan For

Although the majority of services are covered, a few additional expenses should be considered:

• Local Monitoring in Minneapolis
  Monitoring services typically cost around $995. Depending on your insurance, you may be reimbursed for some of this amount.

• Cycle Coordination Fee
  A $150 fee covers communication and planning between your Minneapolis monitoring provider and the CNY Fertility team.

Is It Worth Traveling from Minneapolis?

For many patients, traveling to CNY Fertility results in substantial savings, even when factoring in airfare, lodging, and meals.

Most patients complete a full IVF cycle, including travel, for under $10,000, which is still well below the starting price at most Minneapolis-area clinics.

Does Insurance Cover IVF in Minneapolis?

Minnesota does not currently mandate insurance coverage for IVF. This means whether or not your treatment is covered depends on your individual plan and employer-provided benefits.

Some Minneapolis-area employers offer fertility coverage through platforms such as Progyny, WIN Fertility, Carrot, Maven, or Kindbody. These programs may include partial or full coverage for IVF cycles, medications, and donor services.

To better understand your coverage:

• Review your full insurance plan documents

• Speak with your HR department about fertility benefits

• Call your insurer’s member services line to ask specifically about IVF coverage, cycle limits, and medication benefits

If IVF Is Not Covered by Insurance

CNY Fertility offers flexible financing options that make treatment accessible for those paying out of pocket. These include:

• No credit check

• 100% approval

• Monthly account management fee of $40

• The ability to start treatment with as little as $200 down

IVF Cost in Minneapolis: The Bottom Line

Understanding IVF pricing in Minneapolis is an important step toward building your family. While clinics in the region offer excellent care, many patients find that local treatment costs exceed their budget, especially when multiple cycles or added services are required.

With transparent pricing, bundled services, and the lowest IVF costs in the country, CNY makes high-quality fertility treatment more accessible.