How Much Does IVF Cost: A State by State Comparison


In Vitro Fertilization (IVF) can be very expensive. When a couple is having difficulty conceiving, it makes sense to try IVF as it is so effective. In some cases, there are state mandates in place that allow insurance to help you cover this cost.

IVF cost varies greatly, depending on a lot of factors:

  • Age
  • State
  • Hospital

The following states have mandates in place for IVF:

  • Arkansas
  • Connecticut
  • Hawaii
  • Illinois
  • Maryland
  • Massachusetts
  • New Jersey
  • Rhode Island
  • Texas

There are also certain states that have mandates in place to ensure that insurance companies cover other fertility treatments. States that offer this include:

  • California
  • Louisiana
  • Montana
  • New York
  • Ohio
  • West Virginia

What does this mean for your In Vitro Fertilization cost? You’ll need to discuss your options with your health insurance company. Many companies do not offer coverage for IVF, but many states have required coverage even if it is partial. You may need to make copayments, and there may be deductibles applied for the cost of treatment.

Before considering the cost of IVF, you want to get in contact with your health insurance provider to see what is offered.

How Much is IVF Without Insurance?

This is a tricky question because it varies from one state to the next, and different circumstances can cause the price of treatment to rise. IVF is offered in cycles with no guarantee that the first cycle will result in conception. The initial cost per cycle is $12,000, and most of this will be out of pocket expenses for the couple.

Note: This figure does not account for optional treatments, and may be lower following the initial cycle.

In total, there are 45 states in the United States that will not provide temporary disability insurance if there’s a complication during pregnancy or delivery. There are also several states that do not provide paid leave from mothers on a mandatory basis:

  • Arizona
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Michigan
  • North Carolina

This makes it exceptionally difficult for any couples that are trying to have a baby. If you are trying to have a baby, it’s important to know what your state mandates. Even if you can afford the IVF cost, you may not be able to afford losing all of your spouse’s income if she is no longer able to work during the end of her pregnancy.

Sperms towards to an egg on blue background.

It’s very difficult for any couple to conceive without incurring large costs in the process.

You also have the option of adding in several different procedures that will add to the cost of your cycle. The base cycle has an average cost of $12,000, as discussed earlier, with a success rate of 25%. It is expected that you will spend $48,000, or four cycles, before pregnancy occurs. But there are other options available, too:

  • Donor Eggs: The addition of donor eggs may be offered, but the price is $29,000. This will increase the success rate of pregnancy up to 75%.
  • Donor Sperm: Males that have issues with their sperm may have sperm donated. Donor sperm costs $14,000 and also increases the rate of pregnancy up to 75%.

[Read more about Sperm]

These are all factors that need to be considered with In Vitro Fertilization. The best option for you should be discussed with your physician, and will vary depending on your age, weight, health and several other factors.

As you can see, it is very difficult to break down the exact cost per state for IVF.

Most Expensive IVF Costs

Note: Costs vary from one clinic to the next, so it is important to contact your local clinic to find out the exact cost you will have to pay. The figures provided are based on specific clinics and do not reflect the overall city cost of IVF.

Let’s take a look at the most expensive providers:

  • Westchester Fertility and Reproductive Endocrinology has the highest price cycles in the country. This clinic is in White Plains, New York, and charges patients $27,000 for one cycle.
  • Sher Fertility St. Louis Clinic is based in Montana, and this clinic charges a staggering $25,850 for one In Vitro cycle. The provider is based out of the city of Creve Coeur.
  • CT Fertility is located within Bridgeport, CT and charges couples $25,000 per cycle.

These clinics are very expensive, with many of them being double the national average.

Least Expensive IVF Costs

Again, please note that these costs are not reflective of all clinics. When it comes to the cheapest overall costs, you’ll find that many of these facilities charge between $7,600 and $9,000.

The following IVF providers are the most affordable:

  • Hudson Valley Fertility is located in Fishkill, New York and charges patients just $7,650 per cycle.
  • Fertility Solutions located in Providence, Rhode Island has the second lowest cost in the country at $7,900.
  • Partners in Reproductive Health is an IVF provider that is located in Tinley Park, Illinois. This facility charges $7,950 per cycle.

The least expensive providers have a cost that is 30% less than the national average IVF cost of $12,000.

How Much Does IVF Cost In Metro Areas?

The median IVF prices in metropolitan areas are a good indication of the average cost in a state. Let’s take a look at the median IVF prices in Metro areas:

  • Austin, Texas has the median price of $15,000.
  • Chicago, Illinois has a median price of $10,650.
  • Denver, Colorado has a high cost of $17,000.
  • Louisville, Kentucky has a median price of $12,000.
  • New York has a median price of $12,700.
  • San Francisco, California has a median price of $14,750.
  • Washington DC has a median price of $9,500.

In most metro areas, you will find prices that are $10,000 or less. You will have to research every IVF provider, and do your own due diligence. Keep in mind that many states will require you to cover these costs completely, and that the data provided may change at any time.

Since you’re able to plan for IVF, it’s best to shop around for the best prices and the highest priced provider does not necessarily mean that you will have a higher chance of conception.



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