Fertility Treatment Cost Calculator
Estimate the cost of fertility treatments including IVF, IUI, medications, and compare insurance coverage options.
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This calculator is for informational and educational purposes only. Results are estimates based on the information you provide and standard financial formulas. This is not financial advice. Consult a qualified financial advisor for decisions specific to your situation. Full Disclaimer
Things to Know
Essential concepts for understanding your results
Treatment CostsHow much do fertility treatments cost?
Average costs per cycle: IUI (intrauterine insemination) $500-1,000 without medication, $1,500-3,000 with medication. IVF (in vitro fertilization) $12,000-20,000 per cycle including medication. Egg freezing $8,000-15,000 per retrieval plus $500-1,000/year storage. Donor eggs $25,000-40,000 per cycle. Surrogacy $100,000-200,000 total. Most couples require 2-3 IVF cycles for success, making the total investment $24,000-60,000+.
Insurance CoverageDoes insurance cover fertility treatments?
Coverage varies dramatically by state and employer. 21 states have fertility insurance mandates — but requirements range from covering IVF to only covering diagnosis. Even in mandated states, many plans exclude IVF or cap coverage at 1-2 cycles or $25,000 lifetime. Check your specific policy language, not just state law. Large employers (Google, Amazon, Starbucks) increasingly offer $20,000-50,000 in fertility benefits. If your employer does not, switching to one that does can save $30,000+.
Financial PlanningHow do you plan financially for fertility treatments?
Start with: check insurance coverage (including spouse's plan), maximize FSA/HSA contributions for treatment expenses, explore fertility clinic financing (many offer 6-12 month interest-free plans), and investigate shared-risk/refund programs (pay a premium upfront; get a refund if treatment fails). Some clinics offer packages: 3 IVF cycles for $30,000 (vs $18,000 × 3 = $54,000 individually). The tax deduction for medical expenses above 7.5% of AGI also applies to fertility treatments.
Fertility Treatment Cost Calculator: Estimate IVF, IUI, and Related Expenses
A fertility treatment cost calculator estimates total out-of-pocket expenses for assisted reproduction — from initial testing through treatment cycles, medications, and related procedures. With the average IVF cycle costing $15,000-$25,000 and many patients requiring 2-3 cycles, fertility treatment is one of the most significant medical expenses families face.
Enter your treatment type, location, insurance coverage, and expected number of cycles above. The calculator shows estimated per-cycle cost, total treatment cost, and strategies to reduce expenses.
Fertility Treatment Costs by Procedure
| Treatment | Average Cost Per Cycle | Medications Cost | Success Rate Per Cycle |
|---|---|---|---|
| Fertility testing (both partners) | $1,000–$3,000 | N/A | Diagnostic |
| Ovulation induction (Clomid/Letrozole) | $100–$500 | $50–$200 | 10–15% |
| IUI (intrauterine insemination) | $500–$2,000 | $500–$2,000 | 10–20% |
| IVF (in vitro fertilization) | $12,000–$17,000 | $3,000–$7,000 | 30–50% (under 35) |
| Frozen embryo transfer (FET) | $3,000–$5,000 | $500–$1,500 | 40–60% |
| Egg freezing | $8,000–$15,000 | $3,000–$6,000 | N/A (preservation) |
| Donor egg IVF | $25,000–$40,000 | $3,000–$7,000 | 50–65% |
| Surrogacy (gestational) | $100,000–$200,000 | Varies | 60–75% |
| Embryo storage (annual) | $500–$1,000/year | N/A | N/A |
According to RESOLVE: The National Infertility Association, approximately 1 in 6 couples worldwide experience infertility. In the US, approximately 2% of all infants born are conceived through IVF (CDC ART Surveillance data). The total fertility services market exceeds $8 billion annually in the US.
Insurance Coverage for Fertility Treatment
Fertility coverage varies dramatically by state and employer:
Mandate states (21 states + DC): Require some level of fertility coverage in insurance plans. The strongest mandates: Connecticut, Illinois, Maryland, Massachusetts, New Jersey, and New York require IVF coverage specifically. Colorado's 2022 law is among the most comprehensive, covering up to 3 IVF cycles and unlimited IUIs.
No mandate states: Coverage depends entirely on the employer's choice of benefits. Large employers (especially in tech: Apple, Google, Meta, Amazon, Microsoft) increasingly offer $20,000-$75,000 in fertility benefits as a competitive advantage. According to Mercer's 2024 survey, 42% of large employers (500+ employees) now cover IVF — up from 24% in 2015.
What insurance typically covers vs excludes: Usually covered: diagnostic testing, ovulation induction medications. Sometimes covered: IUI (3-6 cycles). Variably covered: IVF (mandate states: 2-4 cycles; non-mandate: often excluded). Rarely covered: egg freezing (unless medically indicated), surrogacy, donor eggs/sperm. Pre-authorization is almost always required — submit before treatment begins.
Total out-of-pocket for a typical IVF patient: Without insurance: 2 IVF cycles + medications + testing = $35,000-$55,000. With strong insurance (mandate state): $5,000-$15,000 out-of-pocket for the same treatment. With partial coverage: $15,000-$30,000. The insurance gap explains why many patients choose medical tourism (IVF abroad: $4,000-$8,000/cycle in Spain, Czech Republic, Greece) or multi-cycle discount packages from US clinics ($20,000-$30,000 for 2-3 cycles with refund if unsuccessful).
Reducing Fertility Treatment Costs
Multi-cycle and refund programs: Many clinics offer packages: pay $22,000-$30,000 upfront for 2-3 IVF cycles with a partial refund (typically 50-70%) if no live birth results. These reduce per-cycle cost and provide financial protection against multiple failed cycles. Attain Fertility and WINFertility are two national programs offering shared-risk packages.
Medication savings: IVF medications ($3,000-$7,000/cycle) are the most variable cost. Strategies: use the manufacturer's savings programs, purchase from certified international pharmacies (legally available for some medications at 30-50% savings), ask your clinic about medication donation programs (unused medications from completed patients), and request the most cost-effective protocol from your doctor.
HSA/FSA: All fertility treatments are qualified medical expenses for HSA and FSA accounts. Paying with pre-tax dollars saves 22-37% depending on your tax bracket. $25,000 in IVF paid from an HSA in the 24% bracket: effective cost $19,000. Maximize HSA contributions ($4,400 individual / $8,750 family in 2026) and FSA elections in the year you plan treatment.
Frequently Asked Questions
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