On average, nationally, a “fresh” IVF cycle costs $12,500, at Morgan Fertility and Reproductive Medicine we have a compassionate care discount which will bring the price down to $9,900 (if you qualify), before medications, which typically run another $3,000 to $5,000. In a “fresh” IVF cycle, eggs are harvested transvaginally after a closely monitored period of ovulation-inducing medications and then “mixed” with fresh sperm. One or two of the best-looking of the resulting embryos are then transferred to the uterus via a thin catheter.

One of the most complex aspects of an infertility diagnosis is that for you to have your best chances for conception with IVF, you need to act as quickly (to ensure that your eggs are as young and thus as viable as possible) as you can upon diagnosis. This biological urgency doesn’t exactly complement the equally pragmatic need to invest in the time to budget and save for treatment.

For some individuals undergoing IVF, if a fresh cycle doesn’t result in a pregnancy, and the remaining embryos from this fresh cycle can subsequently be used during a “frozen” cycle. “Frozen” cycles, often abbreviated as FET or Frozen Embryo Transfer, are much more economical, as they use “frozen” (technically, vitrified) embryos stored for future use. FET averages anywhere from $3,000 to $5,000 per cycle and annual storage fees for frozen embryos are typically an additional few hundred for each year, We have discounts available.

How Insurance Coverage Works

Some insurance plans provide coverage only for the diagnostic phase of infertility treatment. A good rule of thumb in understanding what your insurance will and will not cover should you have such a plan is to ask if the procedure is something that will determine whether or not infertility does in fact exist and, if so, the cause of this infertility. Keep in mind that when the diagnostic phase ends, any subsequent treatment will not be covered, thus requiring you to pay out-of-pocket regardless of whether you are in or out-of-network.

Other plans will cover the diagnostic phase and some infertility treatment services, but not all treatment services. If your plan offers some infertility treatment coverage, check with your individual plan to see their coverage policies for all possible avenues of care, from oral ovulation drugs to injectable ovulation induction medications to intrauterine insemination (IUI).

Remember to investigate all the plan options available to you; compare the policy through which you currently have coverage with ones that might be offered by your partner’s employer, and compare its costs and benefits to see if it might offer more comprehensive infertility coverage.