Trying to conceive

What will the fertility journey cost?

Estimated total cost ranges for IUI, IVF, and egg/embryo freezing — by US region, with insurance and add-on impact. Estimates based on 2024–2025 industry data; your clinic's actual quote may vary.

Stimulation, retrieval, fertilization, and a fresh transfer (or freeze-all).
NY, NJ, MA, CT, PA · clinics here run about 18% above the national average.
Picking a state surfaces any state-law coverage requirements.
Self-pay. Typical for non-mandate states without rich employer benefits.
1
About 50% of IVF patients need 2 or more cycles to take home a baby. IUI is typically attempted 3–4 times before escalating.
Estimated total cost · IVF (1 cycle) · Northeast · 1 cycle
$27,612
Range: $17,228 – $41,536
Itemized breakdown (1 cycle)
Clinic fees (retrieval/procedure)$8.3k – $15k
Monitoring (ultrasound + bloodwork)$944 – $3.0k
Lab work$708 – $2.1k
Medications$3.5k – $9.4k
Anesthesia$590 – $1.8k
Embryology / lab cycle$1.4k – $4.1k
Embryo transfer$1.8k – $4.7k
First-year storage$0 – $1.1k
Total$17,228 – $41,536

What drives the swing. Real clinic quotes vary by ±30% even within the same metro. Medication costs depend heavily on protocol (mini-IVF or natural cycle can cut meds by 60–80%), age, and ovarian response. Specialty pharmacies, GoodRx, and Walgreens manufacturer programs (Ferring, EMD Serono, Organon) can knock thousands off med costs. PGT-A is sometimes bundled in clinic IVF packages. ICSI is sometimes mandatory at clinics — ask if it's optional.

How accurate is this, honestly?aboutNational averages
AccuracyNational averages

These are population-level estimates from FertilityIQ, RESOLVE, and ASRM data (2024–2025). Real clinic quotes vary widely — the same procedure at two clinics 10 miles apart can differ by 30%+. We multiply per-cycle line items by your selected number of cycles, scale by regional cost differential, and apply a flat insurance reduction. The model does not account for: clinic-specific package deals, multi-cycle discounts (often 15–25% off two or three pre-paid cycles), shared-risk / refund programs, military or grant funding (Resolve, Baby Quest, BCRFA), or out-of-pocket maximums on your plan.

State mandates are a maze. Even within "mandate to cover" states, employer plans that are ERISA-self-insured (most large employers) are exempt from state law. Always read your plan's Summary of Benefits for the words "infertility," "in vitro fertilization," and "fertility preservation." If you're in a non-mandate state but work for a Fortune 500 employer, check whether your benefits include Carrot, Progyny, Maven, or Stork Club — these third-party benefits often cover more than state mandates.

Sources: FertilityIQ Money Class (fertilityiq.com), RESOLVE state coverage map (resolve.org), ASRM patient resources (asrm.org), and major clinic published price lists. Mandate landscape per RESOLVE 2024 update.

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