Calculator
IVF & Fertility Treatment Cost Estimator
Add up clinic fees, medication, add-ons, frozen transfers and storage across several cycles, then subtract insurance to see your likely out-of-pocket total.
IVF & Fertility Treatment Cost Estimator
Fill in the quote from your clinic and pharmacy. The example numbers are placeholders, not prices, so replace each one.
Example numbers only. Replace every figure with the quote from your own clinic and pharmacy. Prices vary widely by clinic, region and plan.
| Item | Cost |
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Budget for the possibility of more than one cycle, and ask each clinic for an itemized quote, refund or shared-risk terms and what happens to unused embryos. HSA/FSA funds may apply to some costs. Check your plan.
About this tool
Fertility treatment is priced in pieces: clinic and lab fees, medication from a specialty pharmacy, optional add-ons and later costs such as frozen embryo transfers and storage. A quote that mentions only one of these can understate the real total.
Because many people need more than one cycle, it helps to see what two or three would cost before you start. Some clinics offer multi-cycle or shared-risk packages. Ask what they include and exclude, and compare them with paying per cycle.
Coverage differs by state, employer and plan. Some plans cover diagnostics but not treatment, or cover treatment up to a lifetime maximum.
What to keep in mind
- Every number comes from you. This tool does not know your clinic’s prices and does not quote or recommend any provider.
References
We rely on government health agencies, professional medical organizations, peer-reviewed research and academic institutions. Read our sourcing standards.