National average cost per cycle
*Figures above reflect state average cost per IVF cycle

IVF insurance coverage by state

When couples face infertility, one of their biggest concerns is often the cost of fertility treatments like IUI and IVF.

It's important to understand, while states like Wisconsin and Tennessee do not  mandate insurance coverage for infertility treatments, your insurance may still cover some treatment based on your individual plan and your specific treatment needs.

The cost for one cycle of IUI can cost over $4,000, and for a cycle of IVF, the cost increases to up to $60,000 depending on patient needs.

The good news is that many insurance companies cover at least some of the cost of fertility treatments.

In fact, there are 17 states in the United States that have a law mandating some kind of infertility insurance coverage. The laws vary by state and coverage ranges from just diagnostic testing to a $100,000 lifetime cap on any kind of fertility treatments.

The 17 states include:

If you do not live in one of these 17 states, your state does not mandate infertility
insurance coverage. That doesn’t mean your individual insurance plan doesn’t include coverage.

However, to find out how to get IVF insurance coverage in your state, talk to your doctor about your specific treatment needs, then reach out to your insurance company to find out what they cover. If you are looking for a fertility doctor, here's a list of all the fertility doctors in USA to help you make the best decision.

Typically, coverage is only available when you have met certain infertility criteria. For example: if you had been trying to conceive unsuccessfully for 12 months.

Regardless of what your insurance plan says, be sure to talk to your doctor about cost and reach out to your insurance company to find out the specifics of your plan.

Need help with IVF cost?

Facing infertility can be overwhelming, and once you’ve decided to seek treatment, there are a lot of decisions to make. Cost is an important factor when seeking treatment.

The average cost of IVF is nationwide $12,000 per cycle, but IVF cost breakdown varies based on a number of factors. Depending on whether you need medications like gonadotropins, which can cost up to $3,000 per cycle.

IVF cost per cycle

The average couple will need 2.7 rounds of IVF to have a successful pregnancy. The cost per cycle can be as high as $20,000, and is rarely lower than $10,000.

In one study done by a fertility clinic, the average couple spent slightly over $33,000 throughout the course of their IVF Treatments.

IVF Medication cost

All women who chose to go through IVF will require medication at some point during their treatment.

Whether it’s Clomid to induce ovulation, or additional gonadotropin injections to help stimulate healthy ovaries, the cost of medication for IVF can add up.

The average cost of these medications is typically $3,500-$7,000. Some insurance policies cover the cost of IVF medication.  

In 17 states, some coverage of IVF treatment is mandated by law, and certain states, like Delaware and New Hampshire, require insurance to cover the cost of medications in addition to the IVF procedure.

How much is IVF with donor eggs?

Sometimes due to underlying conditions, a woman may need donor eggs to have success with IVF.

IVF cost with donor eggs is higher for a number of reasons. Because the typical donor is paid for their eggs, the cost is passed on to the patient who gets the donation.

For a fresh single cycle of donor eggs, the average cost is about $18,000. That  price includes an agency fee, donor compensation, and legal fees.

Depending on the agency and donor, there may be fewer or additional charges for legal fees or psychological evaluations. Agencies do not typically charge an agency fee for a batch of frozen eggs, but the cost to buy the batch is around $15,000.

How much is PGS and PGD testing?

Preimplantation Genetic Screening (PGS) and preimplantation genetic diagnosis (PGD) are additional services that a patient can elect to have as part of IVF treatment.

PGS tests an embryo before it is placed in the uterus for major chromosome abnormalities like the Trisomy 18 and Trisomy 21. PGD tests an embryo for a specific genetic disorder like cystic fibrosis or sickle cell anemia.

These types of tests are recommended for women over 35 or for families that already have a child with a genetic abnormality. The cost for these tests range from $3,000-$5,000.