Costs & Coverage
What it costs. What's covered. What you can do about it.
Estimates, mandates, and strategies — pulled from clinic price surveys, plan documents, and conversations with thousands of patients.
Quick estimator
Estimate IVF cost in your state
A starting point. Your real quote depends on your clinic, your protocol, and your insurance.
Number of cycles1 cycle
Medications per cycle$5,500
Estimated out-of-pocket (1 cycle)
$28,910
Before insurance, grants, or financing. Your state has a fertility mandate — you may pay much less.
See what your plan coversState coverage
States with fertility insurance mandates
Mandates vary widely — some require IVF coverage, some only diagnostic testing. Self-funded employer plans are exempt even in mandate states.
AZ
CA
CO
CT
FL
GA
IL
MA
MD
MI
MN
NC
NJ
NY
OH
OR
PA
TX
VA
WA
Has a fertility mandate · Other states show no mandate.
Read the full state-by-state breakdown →The real cost of IVF in the US
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The real cost of IUI
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How fertility meds are priced
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Understanding your insurance
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HSA/FSA strategies
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Questions to ask insurance
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