We’re sorry to say, it’s not cheap. In an original survey (opens in new tab) Marie Claire conducted in partnership with SurveyMonkey (opens in new tab), 33 percent of women considering fertility treatments said they were willing to spend just $5,000—at most—while 10 percent weren't willing to spend anything out of pocket. Unfortunately, for most people, a “fresh” IVF cycle (when embryos are transferred immediately, without any freezing or testing in the interim) costs between $10,000 to $12,000 (opens in new tab) without insurance. Those looking to conduct genetic testing can expect to spend an additional $3,000–$6,000. If you're using frozen embryos that need to be thawed and transferred, that will run you between $3,000 and $5,000 per cycle.
The biggest varying factor when it comes to IVF costs is insurance coverage. According to Resolve, the national infertility association, only 16 states (opens in new tab) currently have insurance laws pertaining to infertility treatment, the details of which (for both public and private insurance) vary by state. You can learn more about what insurance coverage looks like where you live through Resolve (opens in new tab).
There are a number of IVF and infertility treatment financing programs out there, often in partnership with specific clinics. Many of these programs offer plans in which you can pre-pay for multiple IVF cycles at a single, discounted rate. Some plans dictate that a refund is given if, after a pre-paid number of cycles, a patient still hasn’t achieved pregnancy. There are also a number of non-profit organizations that offer grants and scholarships for people whose primary barrier to infertility treatment is cost.
Active duty military service members cannot use their Tricare insurance for IVF or IUI, and, unfortunately, may have limited coverage for other procedures. Many clinics, however, offer military discounts for service members who are paying out of pocket, as well as discounts on the medications needed for treatment. Some military treatment facilities also offer discounted rates on out-of-pocket costs for IVF and IUI for active duty members.
Still have questions about getting pregnant? Check out our fertility FAQ here (opens in new tab).
Editors’ note: We use the terms “woman” and “female” in this article to refer to people with internal reproductive organs; however we understand that not everyone with internal reproductive organs identifies as a woman or a female. We use the terms “man” and “male” to refer to people with external reproductive organs; however we understand that not everyone with external reproductive organs identifies as a man or a male.
Jennifer Gerson is a Maggie Award-winning journalist whose reporting on reproductive rights, women's health, and sexual violence regularly appears in Cosmopolitan, as well as The Guardian, Yahoo, Allure, Teen Vogue, Mic and other national publications.
The Ending of 'The Umbrella Academy' Season 3, Explained
The Netflix hit's finale resets its universe yet again.
By Quinci LeGardye
Lorde Is Now Blonde and It’s the All the Happiness We Need Right Now
By Deena Campbell
The Jeans Brands Fashion Editors Swear By
Your search for the perfect pair of jeans is over.
By Sara Holzman
Senator Klobuchar: "Early Detection Saves Lives. It Saved Mine"
Senator and breast cancer survivor Amy Klobuchar is encouraging women not to put off preventative care any longer.
By Senator Amy Klobuchar
How Being a Plus-Size Nude Model Made Me Finally Love My Body
I'm plus size, but after I decided to pose nude for photos, I suddenly felt more body positive.
By Kelly Burch
I'm an Egg Donor. Why Was It So Difficult for Me to Tell People That?
Much like abortion, surrogacy, and IVF, becoming an egg donor was a reproductive choice that felt unfit for society’s standards of womanhood.
By Lauryn Chamberlain
The 20 Best Probiotics to Keep Your Gut in Check
Gut health = wealth.
By Julia Marzovilla
Simone Biles Is Out of the Team Final at the Tokyo Olympics
She withdrew from the event due to a medical issue, according to USA Gymnastics.
By Rachel Epstein
The Truth About Thigh Gaps
We're going to need you to stop right there.
By Kenny Thapoung
3 Women On What It’s Like Living With An “Invisible” Condition
Despite having no outward signs, they can be brutal on the body and the mind. Here’s how each woman deals with having illnesses others often don’t understand.
By Emily Shiffer
The High Price of Living With Chronic Pain
Three women open up about how their conditions impact their bodies—and their wallets.
By Alice Oglethorpe