The real cost of IUI
Why a $300 procedure can become a $3,000 cycle.
Why IUI quotes are misleading
Clinics often quote 'IUI: $300–$500' meaning the insemination procedure only. A real medicated IUI cycle bundles: baseline ultrasound, ovulation medication, 1–3 monitoring visits with bloodwork and ultrasound, the trigger shot, and the IUI itself.
All-in cost ranges
Natural-cycle IUI: $500–$1,500 per cycle. Medicated IUI with oral meds (letrozole/clomiphene): $1,000–$2,500. Medicated IUI with injectables: $2,500–$5,000+. Donor sperm adds $700–$1,500 per vial.
Where coverage usually breaks
Insurance plans that cover 'fertility treatment' often cover monitoring and medications under standard medical/pharmacy benefits even when they exclude IVF. Diagnosis codes matter — ovulatory dysfunction (PCOS, etc.) is more reliably covered than 'infertility, unspecified.' Ask the clinic financial team to verify which CPT codes will be billed and which diagnosis code will be used.
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- American Society for Reproductive Medicine (ASRM)
- FertilityIQ — IVF & IUI cost data
- RESOLVE: The National Infertility Association
Cited figures (cycle counts, dollar ranges, mandate lists) reflect publicly available data as of early 2026. Always confirm specific numbers against the linked sources before relying on them — pricing, protocols, and laws change.
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