How Much Does IVF Cost?
Start here to understand your options
When you begin exploring fertility treatment, it’s completely natural to have questions about cost. We believe transparency is an important part of your care.
The cost of an IVF cycle is generally consistent for the procedure itself. What most often varies from patient to patient are the medications, which are customized to your specific treatment plan and can differ based on your medical needs and how your body responds.
For many patients, one IVF cycle typically ranges from $14,000 to $20,000+, depending on the services included and whether insurance coverage applies. Costs may include monitoring appointments, lab work, egg retrieval, embryo transfer, and other necessary services. Not every patient requires every service.
Your total out-of-pocket expense depends largely on your insurance benefits. If you have coverage, your plan will determine what portion is covered. If you are paying out of pocket, the procedure fee remains the same, with medication costs being the primary variable.
Our financial team will review your benefits, outline exactly what applies to you, and provide a clear estimate before treatment begins — so you can move forward feeling informed, supported, and confident in your plan.
Start With What Applies to You
Financial planning looks different depending on whether you have fertility insurance coverage or are paying out of pocket. Choose the option below that best fits your situation. If you’re not sure yet, that’s okay. We’ll help you figure it out.
If You Have Fertility Insurance Coverage
If you have insurance, it’s common to have questions about what’s covered and what that means for your care. Fertility benefits can vary widely depending on your employer, your specific plan, and the state you live in, so the details are often not obvious at first.
At Fertility Centers of New England, our insurance team is here to support you through these questions and help make sense of your coverage before and after your initial appointment.
How We Help You Understand Your Benefits
Before your first appointment, we review your insurance benefits to determine whether the consultation is covered. This helps set expectations early.
After you meet with your doctor and a treatment plan is recommended, our insurance coordinators take a closer look at your benefits. They review what may be covered, what approvals are needed, and how medications and testing factor into your plan.
Because insurance can be complicated, we assist with coordinating coverage so you can focus on your care.
Fertility Coverage and Employer Benefits
Some patients have fertility coverage through their health insurance, while others access benefits through employer-sponsored fertility benefit programs such as Progyny, Carrot, or Maven, which may offer more comprehensive support for IVF, medications, and related services. Traditional insurance plans may provide partial coverage, such as diagnostic testing, monitoring, or medications, but often do not cover the full cost of IVF treatment. These benefits are often administered separately from traditional insurance and may have their own approval processes and coverage rules.
If your plan includes this type of benefit, we help explain how it works and what to expect, so you’re not left navigating the process on your own.
If coverage is limited or does not apply to certain services, we can also review additional financial options available through Fertility Centers of New England.
Understanding Out-of-Pocket Costs
Even with insurance, there may still be costs to plan for, such as deductibles, co-insurance, medications, or services that aren’t fully covered. Once your treatment plan is established, we walk through these details with you to give you a clearer picture of potential expenses.
Moving Forward
After benefits are reviewed, we help outline next steps based on your care plan. This may include confirming approvals, discussing timelines, or answering remaining questions so you can move forward feeling confident in your plan.
What to Know About IVF Insurance Coverage
- IVF insurance coverage depends on your employer plan and state laws
- Only 22 states currently mandate insurance coverage for infertility treatment
- Fertility benefits may be administered through employer-sponsored programs rather than
- traditional insurance
- Even with coverage, out-of-pocket costs may apply for medications, testing, or services that are not fully covered
If You’re Paying Out of Pocket
Many patients move forward with fertility treatment without insurance coverage. If that’s your situation, you’re not alone, and it doesn’t mean options are limited. Planning for treatment costs is part of the process, and our role is to help you understand what’s available and how to move forward in a way that feels manageable.
Understanding the Cost of Care
When you’re paying out of pocket, costs depend on the treatment plan your doctor recommends. IVF typically includes several components, such as medications, monitoring, procedures, and lab services, and not every patient requires the same level of care.
Once your treatment plan is established, we help explain what’s included so you have a clearer sense of what to expect.
Programs and Options That May Help
Some patients choose self-pay programs or bundled options designed to help manage overall costs. Others may qualify for military discounts. These options vary based on treatment type and individual circumstances.
Fertility Centers of New England offers several financial assistance programs, including IVF Assist, IVF Select, EGG Assist, Frozen EGG Assist, and flexible payment options. Our team will help you understand which programs may align with your treatment plan and goals.
Using Financing as a Planning Tool
Financing is another option some patients use to help spread the cost of treatment over time. We partner with financing providers that let you explore monthly payment options upfront, making costs easier to plan for without requiring an immediate commitment. These options are available through our partnerships with PatientFi and CapexMD.
PatientFi
PatientFi allows patients to quickly explore financing with an approval process that takes seconds and does not require a hard credit check or commitment to proceed. Patients can review potential monthly payment options upfront to help plan for treatment costs. Financing may be used for IVF, egg freezing, fertility medications, lab services, and more. Approved patients receive access to a reusable digital wallet that can be used throughout their fertility journey without the need to reapply.
CapexMD
CapexMD specializes in financing fertility treatments, including IVF and related services. Loan options typically range from $3,000 to $50,000 with flexible terms from 6 to 60 months. Financing may be used for treatment costs, medications, genetic testing, and associated services. CapexMD offers transparent pricing with no hidden fees or prepayment penalties, along with confidential, personalized support. Pre-approval is often available within 24 hours.
If financing is something you’d like to consider, we can explain how it works and help you decide whether it’s a good fit for your situation.
TrumpRX
TrumpRX is a government-managed direct purchasing portal designed to significantly lower the out-of-pocket cost of essential fertility medications for self-pay patients. By facilitating direct agreements with manufacturers like EMD Serono, the program aims to reduce medication expenses by up to 84% for many patients. These savings apply to core IVF medications, including Gonal-f®️, Ovidrel®️, and Cetrotide®️.
If navigating these new medication discounts is something you’d like to consider, we can review your clinical plan and help you understand how TrumpRX can reduce your overall journey costs.
Moving Forward
After reviewing your treatment plan and available options, our team helps outline next steps so you can move forward with clarity. Whether that means selecting a self-pay program, exploring financing, or taking time to consider your choices, support is always part of the process.
What to Know About Paying for IVF Without Insurance
- A single IVF cycle typically ranges from $14,300 to $20,000+
- Costs vary based on medications, monitoring, lab services, and procedures
- Many patients use self-pay programs or financing to spread costs over time
- Financing options may allow monthly payments instead of paying all costs upfront
Not Sure Where You Fit?
Many patients aren’t sure what their insurance covers or whether fertility benefits apply to them. Coverage can vary by employer, plan type, and state.
Before your first appointment, we review your benefits to help clarify what’s covered and what to expect. If you’re paying out of pocket, we’ll also walk through options that can help you plan for costs with confidence.
Help Me Understand My Coverage and Next Steps
“Sometimes the process can feel overwhelming. So we’re there to guide, to navigate, to assist, to follow up, and anything else that we can do to just assist you through this process.”
– Mary Kelley-Webber, Fertility Concierge
Let’s Talk About What’s Possible
Questions about cost, coverage, and payment options are an important part of fertility planning, and you don’t have to sort through them on your own. Whether you have insurance, are paying out of pocket, or are still figuring out what applies to you, our team is here to help you understand your options and what comes next.
Completing the form below allows us to review your situation and connect you with the right next step, whether that’s verifying benefits, answering financial questions, or helping you prepare for your initial appointment.
You don’t have to figure this out alone.
There’s no obligation. This is simply a conversation to help you move forward with clarity and confidence.
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