What is Included in an IVF cycle?
A fresh IVF cycles includes semen collection, egg retrieval and anaesthesia, the in vitro fertilization process in the lab and embryo transfer.
Initial consultations are often not included in the cost of treatment. A consultation with a fertility specialist will generally cost $300 to $500 and include a one on one consultation with the doctor, semen analysis, ultrasound to assess ovaries and blood tests to check hormone levels. Often even if your insurance does not cover fertility treatment, this initial consultation can be billed as investigation of a disease.
How Many IVF Cycles Will I Need?
When considering the cost of IVF, it’s important to remember that treatment does not guarantee you’ll become pregnant or have a baby. This is why it is important to research the clinic’s IVF cost as well as their success rates in your age range.
IVF success rates across the US vary widely based on which clinic and doctor you choose. However across the US the average success rate ranges from 48.8% for under 35, to 12% for over 43. On average patients often undergo 2-3 (IVF cycles in order achieve a live birth.
On IVF Options search results, we report live birth success rates by transfer, as reported by clinics to the CDC in the 2018 Fertility Success Rates Report. On location pages, we show success rates by clinic for under the age of 35. To get a more accurate idea of where to go for treatment in your age range, we recommend searching fertility clinics.
What is the total cost of IVF?
When calculating the total cost of IVF treatment, you need to consider your age, your fertility issues as well as the cost and the success rate by age range for the clinic that you choose. You also need to take into consideration what, if any, additional treatments you may need.
With the US average cost of a single IVF cycle is $17,219 and the average number of cycles needed at an average of 2.7, the total average cost of IVF would be $46,492. However, as we mentioned above, there are more affordable clinics and treatments to choose from, to reduce the total cost.
Frozen Embryo Transfer Cost
Many patients who undergo IVF treatment have additional frozen embryos that are not transferred in the first cycle, which can be used for future transfers, without paying for the full cost of an IVF cycle. A frozen embryo transfer costs between $3,000 to $5,000 depending on your clinic, and carries the same success rates as an IVF cycle.
With that in mind, if the average cost of an IVF cycle is $17,219 and the average cost for an FET (frozen embryo transfer) is $4,000, for a patient under 35, where a clinic’s success rate is above 50%, that would bring the estimated average cost to $21,219, as oppose to $46,492.
Do Multi-Cycle IVF Programs Reduce IVF Cost?
Many fertility clinics offer multi-cycle discount programs or refund programs, which can drastically reduce the cost when purchased upfront. We recommend asking the fertility clinic what your likelihood of success is and how many cycles you should plan for and what package options they have available, prior to starting treatment.
Finding Affordable IVF Treatment
The total cost of IVF treatment is dependent where you go for treatment, what additional treatments and services you may need (such as ICSI, PGS genetic testing, any donor services), as well as how many IVF cycles you need.
We understand the average cost of IVF can be off-putting to new patients. There are ways to find more affordable treatment options, such as comparing clinics based on price and success rates on ivfoptions.com.
In most major cities there is a $13,000 price difference between clinics for a fresh cycle of IVF, and the highest cost treatment does not always produce the best outcomes for patients. While cost should not be the only consideration you look at, there are high quality, low cost clinic options across The United States.
For example Cooper Institute for Reproductive Hormonal Disorders in New Jersey offering IVF at $4,525, with success rates near the national average at 43% under 35, or Shady Grove Fertility in Tampa, with a cycle of IVF at $10,500 and live birth success rates above the national average at 48.1% under 35.
By doing your research and comparing fertility clinics and doctors based on prices, success rates and other patient reviews, you can find more affordable IVF treatment options near you.
Does insurance cover IVF?
According to a study done by Fertility IQ, f Americans have zero fertility coverage and an additional 16% have partial coverage.
Insurance coverage varies by state mandate. However even in states with mandated insurance coverage, many patients are forced to jump through hoops to prove they need treatment (such under going 3 IUI cycles) or exhaust the coverage after a single IVF cycle. That means that 73% of patients are forced to pay for the majority of IVF costs out of their own pocket.
Many fertility clinics will check what your insurance provider covers on your behalf before your consultation. We recommend asking them to contact your provider and find out how much is covered and what your co-pay would be before the consultation. Once you get your test results and treatment plan, you should receive a detailed break down of what your out of pocket costs will be.
Making Fertility Treatment More Affordable
At IVF Options our mission is to make fertility treatment more affordable and accessible to all Americans. We do this by providing transparent information on fertility clinics including IVF cost, success rates and patient reviews. We believe in putting the power back in the hands of patients.
How to pay for IVF?
When deciding how to pay for IVF there are multiple options to consider:
- HSA Account
- Credit Card
- Fertility Loan
- Asking friends and family for help
- Applying for a fertility grant
If you do not have savings to cover the cost of treatment, the second most popular option is paying via credit card which is used by
This can be a good option if you have an interest free period and are able to pay off the balance within that time. Otherwise this can lead to IVF costing you significantly more than your initial quoted amount. Fertility loans are a much more affordable option with lower interest rates and set repayment terms over 2-8 years, to provide you with affordable monthly repayments.
For those in challenging financial situations, many consider asking friends or family for help or applying for fertility grants. You can read more about IVF payment options, along with their pros and cons here.
How to Find The Right IVF Treatment For You?
In order to find the right treatment for your own unique needs and budget, you have to do your research. IVF Options CEO Lexie Magyar says “When it comes to your health, you have to be your own biggest advocate.”
We believe in putting the power back in the hands of patients. Use our free platform to compare fertility clinics by cost, success rates, patient reviews and locations – to find the right treatment near you.