Assisted reproductive technology (ART) is a significant financial investment, and understanding the costs upfront can help you plan ahead. Whether you’re considering IVF, IUI, or egg freezing, it’s essential to explore your options for budgeting, insurance, and financial assistance.

How Much Does ART Cost?

Costs vary depending on the treatment type, clinic location, and additional procedures needed. Here’s a rough estimate:

• IVF (one cycle): $12,000 - $20,000 (not including medication)
• IUI (per cycle): $500 - $4,000
• Egg Freezing: $6,000 - $15,000 per cycle, plus storage fees

Fertility medications can add an additional $3,000 - $7,000 per IVF cycle.

Does Insurance Cover Fertility Treatments?

Coverage depends on where you live and your insurance provider. Some states in the U.S. mandate fertility coverage, but most plans offer limited benefits. Questions to ask your insurer:

• Do you cover fertility testing?
• What ART treatments are covered?
• Are there limits on the number of cycles?
• Are medications included?

Ways to Reduce ART Costs

• Compare clinics: Prices can vary significantly between locations.
• Look for financial aid: Some organizations offer grants for fertility treatment.
• Consider shared-risk programs: Some clinics offer refund programs for multiple IVF cycles.
• Use health savings accounts (HSA/FSA): These can help cover certain costs with pre-tax dollars.

Understanding ART costs can help you make an informed decision and reduce financial stress. Speak with your clinic’s financial counselor for detailed breakdowns and payment options.

Source:
Klitzman, R. "How much is a child worth? Providers’ and patients’ views and financial barriers to ART." Journal of Assisted Reproduction and Genetics, vol. 37, 2020, pp. 1107–1115. DOI: 10.1007/s10815-020-01796-w