Fertility Treatment Cost Guide
Understanding costs, insurance, and financial options
Fertility treatment costs can feel overwhelming, but knowledge is power. This guide breaks down the real costs of treatments at Morgan Fertility, explains your insurance options, and shares strategies to make treatment more affordable.
1. Treatment Costs at Morgan Fertility
IUI (Intrauterine Insemination)
$1,500
per cycle
Includes sperm wash preparation, insemination, and the first blood test after the IUI. Cycle monitoring is an optional $1,000 for up to 5 visits.
IVF (In Vitro Fertilization)
$11,300
per cycle, base price
Standard IVF base price. Includes egg retrieval, embryo culture, and transfer. PGT genetic testing is not included and is available as an additional service.
Common Add-Ons:
Egg Freezing
$5,395
per cycle
Includes initial consultation, ovarian stimulation, egg retrieval, vitrification, and first year of storage. Monitoring +$1,000; annual storage $1,000/yr or $2,000 for 3 years.
PRP Therapy
Ovarian PRP: $6,650
Includes anesthesia & surgery center fee. Medication not included.
Uterine PRP: $1,500
33+ years pioneering ovarian rejuvenation. Includes ultrasound, PRP, and 3 months monitoring.
Mini IVF
$11,300
per cycle
Uses less ovarian stimulating medication so you save money on medications. Compassionate care program discounts may be available.
Sperm Freezing
$1,750
freezing + storage
Does not include consultation or pre-testing. Includes sample processing, freezing, and first year of storage.
Reciprocal IVF
$22,150
per cycle
For same-sex couples. Includes anesthesia, monitoring, sperm handling fee, freezing, and storage. Does not include pre-testing, medications, or PGT.
IVF with Donor Sperm
$12,550
per cycle
Fresh IVF with donor sperm base price (donor sperm vial purchased separately from a sperm bank). Pricing varies depending on your treatment plan. Does not include pre-testing, medications, or PGT.
2. The Hidden Cost: Medications
Typical Medication Costs
- IUI medications$100-$500
- IVF injectables (standard)$3,000-$5,000
- IVF injectables (high dose)$5,000-$8,000
- Frozen embryo transfer meds$500-$1,000
How to Save on Medications
- Use specialty fertility pharmacies—they're often cheaper than retail
- Ask about manufacturer discount programs
- Compare prices between pharmacies
- Check if your insurance covers medications even if not covering treatment
3. Insurance Coverage in New Jersey
NJ Fertility Mandate Requires Coverage For:
- Diagnosis and treatment of infertility
- Up to 4 egg retrieval cycles
- Unlimited embryo transfers
- Coverage for same-sex couples and single individuals
4. Financing Options
Payment Plans
We offer flexible payment plans to spread costs over time.
Compassionate Care Program
Apply at morganrxloans.com for potential treatment discounts based on financial need.
HSA/FSA Accounts
Use pre-tax dollars to save 20-30% on costs.
Grants & Scholarships
Baby Quest, Cade Foundation, and others offer grants.
5. How Morgan Fertility Saves You Money
| Treatment | National Avg | Morgan | You Save |
|---|---|---|---|
| IVF Cycle | $15,000 | $11,300 | $3,700 |
| Egg Freezing | $12,000 | $5,395 | $6,605 |
| IUI | $4,500 | $1,500 | $3,000 |
Let's Discuss Your Options
Schedule a consultation to get a personalized cost estimate.
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