How Much Does IVF Cost in San Diego

If you’re considering in vitro fertilization (IVF) in San Diego, understanding the full range of potential costs is an essential step in preparing for your fertility journey. IVF costs can vary widely depending on the clinic you choose, their pricing model, your medical profile, and treatment plan. 

This guide breaks down typical IVF costs in the San Diego area, outlines the most common add-on expenses, and explores how some patients lower their total cost, without compromising care quality or success rates.

What Affects the Cost of IVF in San Diego?

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

This estimate includes baseline services such as monitoring, egg retrieval, fertilization, and embryo transfer, but it often doesn’t account for additional options or advanced procedures.

These add-ons can increase your total treatment cost by $5,000 to $15,000 or more.

Even among clinics in the same region, pricing for the same services can vary considerably. For that reason, it’s important to ask for a detailed, itemized price list before starting treatment.

What’s Usually Included in an IVF Cycle in San Diego

While your treatment plan will be customized to your medical needs, most IVF cycles in San Diego follow a standard series of steps:

Monitoring Appointments

During the ovarian stimulation phase, you’ll attend several appointments for lab work and ultrasounds. These visits help your care team monitor how your body is responding and adjust medications to optimize your chances of success.

Egg Retrieval

This is a quick outpatient procedure done under light anesthesia. Mature eggs are retrieved from your ovaries and delivered to the lab for fertilization.

Fertilization

In the lab, eggs are fertilized using either standard IVF or ICSI (intracytoplasmic sperm injection). ICSI is often recommended in cases of male-factor infertility or prior fertilization issues.

Embryo Development

Embryos are cultured for several days and monitored for growth and quality. The most viable embryos are selected for transfer or freezing.

Embryo Transfer

Depending on your treatment plan, you may undergo a fresh transfer a few days after egg retrieval, or return later for a frozen embryo transfer (FET).

Fertility Medications

These medications stimulate egg production and prepare your uterine lining for implantation. In San Diego, medication costs typically range from $2,000 to $8,000 per cycle and are often billed separately from the base IVF package.

Additional IVF Costs to Keep in Mind in San Diego

While most fertility clinics in California include standard procedures in their IVF base price, patients are often responsible for additional expenses based on their unique needs. Here are common cost factors to consider:

• Fertility Medications: Though mentioned above in the “essentials” section, medications are not typically included in base pricing. Medication costs range from $2,000 to $8,000, depending on your protocol and dosage.
• Embryo or Egg Freezing and Storage: If you decide to freeze embryos or eggs for future use, expect to pay approximately $600 to $1,000 for the initial freezing process. Storage fees are billed separately and can vary depending on the clinic, typically charged monthly or annually.
• Frozen Embryo Transfer (FET): A separate FET cycle is required if you are transferring a previously frozen embryo. In San Diego, the average cost is typically between $3,500 and $5,000.
• Preimplantation Genetic Testing (PGT): Used to screen embryos for genetic abnormalities, PGT adds about $4,000 to $5,000 to your total cost. This also necessitates freezing embryos and returning for a frozen transfer.
• Donor Eggs: If you are using donor eggs, costs can rise substantially. While CNY Fertility offers donor egg IVF starting at $14,000, most full-service clinics in San Diego charge between $25,000 and $40,000 or more per cycle.
• Implantation and Immune Support Therapies: Some patients benefit from additional therapies like intralipid infusions, IVIG,  Neupogen, or hormonal support to enhance implantation success. These treatments can add several hundred to over $5,000, depending on what’s prescribed.

Age and Number of Cycles

Success rates decline with age, especially after 40. This may result in needing multiple cycles, more medications, or turning to donor eggs, all of which add to the financial investment.

Affordable IVF Options for San Diego Residents at CNY Fertility

For many patients in San Diego, traveling out of state is a strategic way to lower IVF costs without compromising on care.

CNY Fertility offers a comprehensive IVF package starting at $5,769, making it one of the most affordable full-service options available in the U.S.

Patients typically follow a hybrid care model, completing local monitoring (labs and ultrasounds) at a San Diego clinic or monitoring facility, then traveling to a CNY Fertility location for the egg retrieval and embryo transfer.

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

CNY Fertility’s bundled IVF package includes many services that other clinics bill as separate charges:

• 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

This all-inclusive structure can save patients thousands compared to itemized pricing models used at most full-service clinics.

Additional Costs to Consider

While CNY’s flat-rate IVF package includes most major services, you may need to plan for:

• Local monitoring in San Diego: Around $995, some of which may be covered by insurance

• Cycle coordination fee: $150, which supports seamless communication between your local provider and the CNY Fertility team

Is It Worth Traveling from San Diego?

Even when factoring in airfare, hotel stays, and meals, many patients from San Diego complete a full IVF cycle through CNY Fertility for under $10,000—a significant savings compared to most local clinic pricing, especially when medication and lab add-ons are included.

Want to Learn More?

Use CNY Fertility’s online cost calculator to create a personalized estimate, or schedule a consultation to learn whether this travel-based, budget-friendly model aligns with your fertility goals.

Does Insurance Cover IVF in San Diego?

Here’s what you need to know about insurance and IVF in San Diego: 

• No state-mandated IVF coverage (yet):
  
  California requires insurers to offer infertility coverage, but does not currently mandate IVF be included.

• Coverage depends on your plan:
  
  Whether IVF is covered in San Diego is based entirely on your individual insurance policy or employer benefits. Some plans cover full IVF cycles; others only cover diagnostics or medications.

• New law coming in 2026:
  
  Starting January 1, 2026, California will require group insurance plans to cover IVF, including up to 3 egg retrievals and unlimited transfers. This won’t apply to individually purchased plans.

• Third-party fertility benefits may help:
  
  Many San Diego employers offer fertility coverage through Progyny, WIN Fertility, Maven, Carrot, or Kindbody, which may include IVF and medications.

• Other financial options are available:
  
  If you don’t have coverage, many clinics offer financing, package discounts, or help navigating alternative coverage options.

The Cost of IVF in San Diego: The Takeaway

Navigating IVF in San Diego involves understanding both the medical process and the financial commitment. Local clinics offer excellent care, but the total cost of a single cycle can exceed $30,000 once medications, embryo freezing, and other common add-ons are factored in.

For many patients, CNY Fertility provides a more affordable path. Their comprehensive IVF package starts at $5,769 and includes many services that other providers bill separately. Even with travel, many San Diego residents complete treatment for less than $10,000.

Wherever you choose to receive care, taking time to review clinic pricing and insurance options can help ensure you’re making the most cost-effective and informed decision for your fertility journey.