Pricing & financing

The whole price, not the door price.

Fertility treatment is expensive. Hidden fees make it harder. We list every line item you'll see, the typical out-of-pocket after insurance, and the four financing partners we trust.

Cycle pricing, itemized.

Prices below are list price for a single cycle. Most patients pay 30–70% less after insurance. We provide a full quote in writing after your consultation.

Service
List price
Typical w/ insurance
Cycle length
IVF cycle (full)Monitoring, retrieval, lab, fresh transfer
$13,400
$4,800–9,200after insurance
4–6 wks
IVF medicationsStimulation drugs, billed by pharmacy
$3,800–6,200
$0–3,400often partial coverage
10–14 days
Frozen embryo transfer (FET)Subsequent transfers, embryos already frozen
$4,800
$1,400–3,200
3–4 wks
PGT-A genetic testingPer embryo, optional
$2,400 + $400/embryo
Rarely covered
+1 wk
IUI cycle (medicated)Monitoring, sperm wash, insemination
$960
$0–340often fully covered
2 wks
Egg freezing cycleMonitoring, retrieval, vitrification, 1yr storage
$8,400
$3,200–6,400
3–4 wks
Donor egg cycleDonor compensation, screening, fresh transfer
$28,500
Rarely covered
8–12 wks
Annual embryo storageAfter year 1 included with IVF
$640/yr
Rarely covered
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Multi-cycle packages for peace of mind.

If your doctor expects you'll need more than one cycle, packages save 20–30% vs. paying per cycle. Refund options available for patients who don't take home a baby after the contracted cycles.

Single cycle

Pay-as-you-go. Best when you only expect to need one cycle, or want to evaluate after the first attempt.

Total list price
$13,400
Per cycle, no commitment
  • One full IVF cycle with fresh transfer
  • Monitoring, retrieval, lab, anesthesia
  • Medications & PGT-A separate
  • No refund if cycle is unsuccessful
Discuss with my doctor

2-cycle package

Two full IVF cycles, all subsequent frozen transfers from those cycles, and discounted medications. About 70% of patients conceive within two cycles.

Total list price
$22,800
Save $4,000 vs. paying per cycle
  • Two full IVF cycles + 2 transfers
  • Unlimited frozen transfers from these cycles
  • 15% medication discount through partner pharmacy
  • 50% refund if no live birth after both cycles
Discuss with my doctor

3-cycle refund plan

Three cycles with our strongest refund guarantee. Best for patients with diminished reserve or where the doctor has flagged that more attempts may be needed.

Total list price
$32,400
Save $7,800 vs. paying per cycle
  • Three full IVF cycles + 3 transfers
  • Unlimited frozen transfers
  • 20% medication discount
  • 100% refund if no live birth after all three
Discuss with my doctor

Financing partners we trust.

We're not a lender. These four partners offer fertility-specific loans, savings tools, and HSA/FSA support. Our financial counselor will help you choose.

CareCredit

Fertility-friendly healthcare credit card with 6, 12, 18, or 24-month deferred-interest plans. Most patients qualify within 24 hours. We process applications in-clinic.

Learn about CareCredit →

Future Family

Fertility-specific loans up to $80,000 with fixed monthly payments over 36–84 months. Includes a dedicated nurse-coach and a no-baby refund clause on most plans.

Learn about Future Family →

Progyny & Carrot

Employer-sponsored fertility benefits. If your employer (or partner's) offers either, your treatment may be covered up to a smart-cycle budget. We're in-network with both.

Check your benefits →

HSA / FSA & tax credits

IVF, IUI, donor egg, and surrogacy costs are HSA/FSA-eligible. We provide receipts and superbills for tax-deductible medical expenses (you may deduct what exceeds 7.5% of AGI).

Tax letter resources →
Financial counselor at Your Business
Talk to a financial counselor

Reina handles money conversations so your doctor doesn't have to.

Reina has worked in fertility billing for fifteen years. She'll review your insurance benefits, suggest the smartest path through deductibles, walk you through any of the financing partners above, and put a clear written quote in your hand before you decide anything.

"My job is to make this part of the process boring. Boring is good. Boring is so you can focus on the rest." — Reina
Book a free 30-min financial review