# IVFcost.co

> Compare what IVF really costs, plus real CDC ART success rates, clinics, at-home tests, and supplements. Every figure traced to its source.

## Sourcing and citation
Every figure on this site is drawn from primary, mostly free and open sources (the CDC ART program for clinic success rates, the U.S. National Library of Medicine via ClinicalTrials.gov and Europe PMC for research, the NIH DSLD for supplement labels, and each clinic or brand for its own services and prices) and links to the exact record that proves it. Figures carry a confidence tier and a retrieval date; an absent value is shown as unknown, never guessed. When citing this site, prefer linking the specific page for the figure you use. The methodology page below documents the full model, and the data page lists every dataset with its sources, its update schedule and the day it was last read at its sources, so a figure can be cited with its date.

## For AI assistants and agents (MCP server)
IVFcost.co answers tool calls directly: a free, read-only MCP server (Streamable HTTP, no sign-in) at https://ivfcost.co/api/mcp with tools for the IVF prices clinics post in a state or city, a cited cost estimate, each state's IVF insurance law, the IVF grants open now and employer IVF coverage. How to connect: https://ivfcost.co/mcp-server.

## Pages
- [Home](https://ivfcost.co): The live fertility reference: US fertility clinics compared by real CDC ART IVF live-birth success rates, plus published cost, services, at-home fertility tests, and supplements.
- [Clinics](https://ivfcost.co/clinics): Every tracked US fertility clinic and network with its CDC ART live-birth success rate by patient age band, services offered, and registered-study volume for the well-known networks. Each clinic page answers what IVF costs there: the price the clinic posts on its own website with what it includes, or, for a clinic that posts none, the date its site was checked, the nearest clinics' posted prices (each with its own terms and distance, never averaged) and how to get the clinic's price in writing under the federal Good Faith Estimate rule; plus its posted egg freezing price where it has one.
- [Everleap Fertility](https://ivfcost.co/clinics/everleap-fertility): Everleap Fertility is the name, on October 13, 2026, of Boston IVF, RMA Network, Conceptions, Mid Iowa Fertility, Reproductive Care Center, Island Reproductive Services, Ohio Reproductive Medicine, Delaware Institute for Reproductive Medicine, Wilmington Fertility Center: 62 US locations in 18 states. The practices were part of IVIRMA North America, which Everleap Fertility says "has evolved into Everleap Fertility". The page lists each of its CDC-reporting locations under its former name with its CDC live-birth rate, a new patient's chance after all egg retrievals and its donor egg rate, and quotes what the brand says stays the same.
- [Pinnacle Fertility](https://ivfcost.co/clinics/pinnacle-fertility): Pinnacle Fertility is the name, in 2025, of Seattle Reproductive Medicine, IVF Michigan, Institute for Human Reproduction, California Fertility Partners, Dominion Fertility, ORM Fertility, Reproductive Gynecology & Infertility, Advanced Fertility Care, IVF1, Genesis Fertility, Tulsa Fertility Center, Adore Fertility: 50 US locations in 15 states. Pinnacle Fertility announced one national brand for its clinics on May 6, 2025, and its clinic websites now redirect to pinnaclefertility.com. The page lists each of its CDC-reporting locations under its former name with its CDC live-birth rate, a new patient's chance after all egg retrievals and its donor egg rate, and quotes what the brand says stays the same.
- [Costs](https://ivfcost.co/costs): What IVF, egg freezing, and at-home testing actually cost: published self-pay cycle prices and test-kit prices, each cited to the clinic or brand that states it. A base IVF cycle runs about $9,000 to $14,000 before medications (Center for Reproduction, Carrot Fertility (composite)); one all-in cycle with medications and the usual extras about $23,000 to $30,000; and a realistic budget across the cycles most patients need $40,000 to $60,000 (FertilityIQ). Line by line in the IVF cost calculator.
- [Our data: every dataset and when it was last checked](https://ivfcost.co/data): The 44 datasets every figure on this site comes from (clinic prices and CDC success rates, state laws and insurer policies, grants, lenders, donor and surrogacy costs, medication prices, clinical guides), each with its primary sources, how it is kept current (scheduled jobs for official feeds, a daily re-check of every posted clinic price on the clinic's own page, research re-reads on a stated schedule for the rest), the day it was last read at its sources, and the pages and guides built on it. The CDC's newest clinic-level success data is the 2022 reporting year: the CDC team that published it was eliminated in April 2025.
- [Open data: US IVF clinic price check](https://ivfcost.co/data/ivf-clinic-prices): The clinic price check as a free dataset (CC BY 4.0): every CDC-reporting US fertility clinic location, whether its own website posts a self-pay IVF price, the amount and what it covers, the source page and the check date. The live CSV is /data/ivf-clinic-prices.csv; dated snapshots are archived on Zenodo with a DOI for citation. Our report on the 2026-09-28 snapshot (doi:10.5281/zenodo.23056772): About one in three US fertility clinic websites posts a self-pay IVF price: 126 of 360 websites (35.0%), and 159 of the 452 clinic locations checked (35.2%). That is up from about one in five in 2019. Among websites of SART member clinics, 34.9% (98 of 281) posted an IVF price, against 19.9% of 361 in a July 2019 review (Larsen and colleagues, 2020). Correction (2026-10-03): Two re-checks after publication found posted prices that were not clinics' own current IVF prices. On October 2, 2026, re-reading all 159 posted prices, we found 4 general cost estimates for a region published on a clinic's own site (for example "In the San Francisco Bay Area, the costs for one cycle of IVF range from $14,000 to $19,000"). On October 3, checking every posted price against the clinic's own page, we found 6 more general estimates or an offer that had ended in 2024, 1 figure the clinic's page no longer states, and 2 locations whose posted prices had been missed. Corrected: 150 of 452 locations (33.2%) and 117 of 359 websites (32.6%) post a price; SART member websites 33.2% (93 of 280) against 19.9% in 2019; IVF-mandate states 35.1% against 31.6% elsewhere. No conclusion changes.
- [How many US fertility clinics post IVF prices (2026)](https://ivfcost.co/blog/how-many-fertility-clinics-post-ivf-prices): Original research: about one in three. Of all 452 CDC-reporting US fertility clinic locations checked in September 2026, 150 (33.2%) post a self-pay IVF price on their own website and 287 ask patients to call first; up from 19.9% of SART member clinic websites in 2019 to 33.2%. Big clinics (46.0% of the largest quarter vs 26.1% of the smallest) and networks (51.9% vs 30.7%) post more; state IVF insurance mandates make no difference (35.1% vs 31.6%). By state and by metro area, with why posted prices cannot be averaged and how to get a written Good Faith Estimate.
- [Cheapest IVF in the US? Clinic prices under $9,000 (2026)](https://ivfcost.co/blog/cheapest-ivf-in-the-us): Original research: every US fertility clinic that posts an IVF cycle price under $9,000 on its own website (22 clinics in 10 states, each price read on the clinic's page on October 3, 2026), with what each price includes and what is charged separately. The lowest posted figures are $4,525 (Cooper Institute, NJ), $4,800 (Gentle IVF, a lower-dose protocol, at Arizona Reproductive Medicine Specialists) and $4,999 (CNY Fertility base package), and none is a complete cycle; only one of the 22 includes medications (NCCRM, NC: $7,500 low-stimulation cycle for medically qualifying patients). Of the 22, 7 include monitoring, 1 anesthesia, 2 ICSI, 7 embryo freezing, 11 an embryo transfer. Posted extras: ICSI $600 to $2,250, anesthesia $500 to $1,000, a later frozen transfer $1,000 to $4,750. Also freeze-all, lower-dose, multi-cycle, income-based and group-discount pricing with real examples. Clinics are listed by state, never ranked or averaged.
- [Egg freezing cost: what 112 US clinics post (2026)](https://ivfcost.co/blog/egg-freezing-cost-clinic-prices): Original research: of all 452 CDC-reporting US fertility clinic locations, checked on October 4, 2026, 112 (24.8%) post an egg freezing price on their own website, fewer than post an IVF price (33.2%); 312 post none and 28 could not be settled. Clinics doing the most egg and embryo banking (91 or more cycles in the CDC's 2022 data) post most often (35.7% vs 16.7% of the smallest), and clinics that post a price performed 40% of all US banking cycles. CCRM posts one range ($5,500 to $11,925) at all 15 locations and Spring Fertility and CNY Fertility post at every location; Kindbody, Shady Grove Fertility, RMA and Boston IVF post no amount at any location that could be read. Only 10 of the 112 prices include medications (the clinics' own drug estimates run $2,500 to $10,800); 24 clinic websites post a yearly storage fee of $400 to $1,250. Every posted price is listed by state with what it includes and what costs extra, never ranked or averaged.
- [IVF medication costs after TrumpRx: every posted price (2026)](https://ivfcost.co/blog/ivf-medication-costs-trumprx): Original research, every price read on its source's own page on October 4, 2026. A standard IVF cycle's stimulation drugs (the White House Council of Economic Advisers' definition: 3,000 IU Gonal-f, 20 vials of Menopur, 5 doses of Cetrotide, one Ovidrel) cost $3,776.50 at the lowest cash prices open to anyone and $16,505.41 at retail cash prices (Drugs.com). TrumpRx.gov prices EMD Serono's drugs at Gonal-f $42 per 75 IU (list $241.51), Cetrotide $22.50 (list $316.12) and Ovidrel $84 (list $251.84), cash only; the TrumpRx coupon works only at Freedom Fertility and Village Fertility, while EMD Serono's Fertility Instant Savings card gives the same prices at eight pharmacies. Menopur is not on TrumpRx: $95 a vial at Mandell's Clinical Pharmacy, the only one of 12 US fertility pharmacies checked that posts prices, and $72.75 through Ferring's HeartTomorrow program for elective egg freezing; at $95 its 20 vials ($1,900) now cost more than the cycle's Gonal-f ($1,680). The CEA's $2,996 standard-cycle figure uses the income-qualified $25 per 75 IU Gonal-f price; at the $42 TrumpRx price the same cycle is $3,676.50 (saving $1,510.50, not $2,191). Also every manufacturer savings program with its eligibility.
- [IVF refund programs: every US clinic that offers one (2026)](https://ivfcost.co/blog/ivf-refund-programs): Original research, every clinic website read on October 6, 2026. Of all 452 CDC-reporting US fertility clinic locations, 128 (28.3%) offer a program that returns money if treatment fails (119 for IVF with own eggs, 4 for donor-egg IVF only, 5 for egg freezing only); 19 more name a refund program without posting its terms, 15 offer guarantees that refund only unused cycles or give free extra cycles, 36 sell multi-cycle packages with no refund and 240 offer none. 51.3% of the largest quarter of clinics offer one against 15.9% of the smallest; 47 of 54 locations of the ten large networks against 81 of 398 other clinics. 62 locations offer only a third party's program: Sunfish (31 locations, up to $15,000 back), BUNDL Guard (14, a 100% refund) and Fertility Access (9, 100% or 50%). Only 20 locations post the price of their own-egg program; where it covers more than one cycle, posted prices run from $16,000 to $39,900 before medications. Of 36 distinct clinic-run programs, 16 promise a 100% refund, 13 return 50% to 90% and 7 do not say; 20 exclude medications in writing and none includes them; 15 post an age limit between 34 and 40. With a worked example at one clinic (Atlantic Fertility, Raleigh: IVF from $12,850 per cycle, a two-cycle package at $24,850, a Live Birth Guarantee at $32,850 with 50% back), SART 2023 odds by age, ASRM's 2024 ethics opinion, the questions to ask, and every program listed by state. Programs are listed with their own terms, never ranked or averaged.
- [IVF financing: which lenders US clinics use (2026)](https://ivfcost.co/blog/ivf-financing-lenders-clinics-use): Original research, read October 28-29, 2026: the financing pages of 353 US fertility clinics and networks. 199 name at least one lender; CapexMD is named by 122, Future Family by 88, PatientFi by 64, LendingClub (now Happen Bank) patient financing by 60 and Prosper Healthcare Lending by 38. 131 of the 199 name two or more lenders. Most of these lenders pay the clinic, not the borrower. Each lender's own published APR range, amounts, terms and fees (3.99% to 35.99% APR; $460 to $903 a month on a $25,000 cycle over 60 months), which 0% offers are deferred interest (CareCredit 32.99%, CapexMD's 6-month offer), the CFPB's finding that patients paid $1 billion in deferred interest on medical cards and loans from 2018 to 2020, clinics' own payment plans (59), and the share of clinics naming a lender by state.
- [FSH levels by age: what your result means for IVF](https://ivfcost.co/blog/fsh-levels-by-age): An evidence guide to the FSH blood test, every figure read on its source on October 4 or 5, 2026. Normal ranges (Mayo Clinic Laboratories: women 2.9 to 14.6 IU/L in the follicular phase and 16.0 to 157.0 after menopause, adult men 1.2 to 15.8) and FSH by age from 32,445 women tested at one Australian laboratory (median 5 IU/L or below up to age 35, not above 10 IU/L until after 45). What a high day-3 FSH predicts: almost nothing for natural conception (63% of women with FSH above 10 were pregnant within six cycles against 62% with a normal FSH, Steiner et al., JAMA 2017), more for IVF (fewer eggs, more medication, more cancelled cycles; live birth per cycle 24.7% with FSH under 10 against 3% over 20 among 2,057 London IVF patients, Abdalla and Thum 2004). ASRM calls FSH a specific, but not sensitive, test, and ESHRE's 2025 guideline prefers AMH or the antral follicle count. Also low FSH, FSH in men (above about 7.6 mIU/mL points to impaired sperm production, AUA/ASRM), FSH through perimenopause (SWAN, 3,302 women), how to time the test (cycle day 2 to 4, with estradiol), and what testing costs, as posted by each seller: $51 to $95 for a single direct-to-consumer FSH test, $219 to $225 for a panel with AMH, FSH and estradiol, $86 to $259 for home finger-prick kits and $14.99 to $119 for urine FSH tests.
- [Paying for IVF](https://ivfcost.co/paying-for-ivf): The four real routes a US family uses to fund treatment, in the order to try them: named IVF grants with their own published award terms and fees, pre-tax HSA and FSA dollars and the IRS medical-expense rules, refund and shared-risk programs, and fertility lenders last. Every figure read from the program's own page.
- [IVF loans](https://ivfcost.co/ivf-loans): Every lender a US family can borrow from for IVF (17 lenders: Future Family, CareCredit (Synchrony), Happen Bank patient financing, PatientFi, CapexMD, Prosper, EggFund, Sunfish, ARC Fertility financing, Gaia, United Credit, Happen Bank (formerly LendingClub), Upstart, Best Egg, Discover Personal Loans, Upgrade, OneMain Financial), each read on its own pages: the published APR range, amounts, terms and fees, what it says about IVF or fertility treatment, how checking a rate affects credit and who it pays, each with its own words quoted. Lowest published APR first, never by payout, with what a typical $25,000 cycle costs a month at each lender's published range and what to try before borrowing. One page per lender at /ivf-loans/<lender>. Also which lenders US fertility clinics name on their own financing pages (353 clinics and networks read on October 28, 2026; each clinic's page lists its own), most-named first: CapexMD 122, Future Family 88, PatientFi 64, Happen Bank patient financing 60, Prosper 38.
- [IVF grants](https://ivfcost.co/ivf-grants): Every US IVF and family-building grant whose own website publishes its terms (23 programs: national, state, clinic and community grants), each with its award, application fee, deadlines, who may apply and what it pays for, read on the program's own site. 14 accept applicants from any US state. It lists which programs take applications on the day the page is read, with each round's deadline as the program posts it, which open next, and which have closed; a finder filters by state, treatment and open now.
- [Companies that cover IVF](https://ivfcost.co/companies-that-cover-ivf): What 194 large US employers publish on their own benefit pages about covering IVF and fertility treatment (read between Oct 11, 2026 and Oct 30, 2026), each statement quoted from the employer's own benefits site, guide or plan document, or the page its benefits administrator publishes for that employer: 59 name IVF as covered, 38 state a fertility benefit without naming IVF, 70 publish a dollar or cycle limit, and 43 say part-time workers can qualify (AMD, Baylor Scott & White Health, Brown University, Chubb, Citi, Cleveland Clinic, ConocoPhillips, Costco, Duke University, Emory University, Goldman Sachs, HCA Healthcare, Johns Hopkins University, JPMorgan Chase, Lowe's, Mayo Clinic, Micron Technology, Microsoft, MIT, Morgan Stanley, New York University, Northrop Grumman, Northwell Health, Northwestern University, NVIDIA, Pfizer, PwC, REI, Salesforce, Stanford University, Starbucks, T-Mobile, Target, Texas Instruments, Tractor Supply, Truist, University of California, Vanderbilt University, Verizon, Walmart, Washington University in St. Louis, Wells Fargo, Yale University), each with its hours rule. Limits are never ranked or averaged. Also what a Progyny Smart Cycle covers, and why a state IVF law usually does not reach a large employer's self-funded plan.
- [Fertility benefit companies](https://ivfcost.co/fertility-benefits): How the companies employers hire to run their IVF benefits (Progyny, Carrot, WINFertility, Maven, Kindbody) say their benefits work, in their own words (read 2026-10-23), and which large employers name each on their own benefit pages.
- [IVF medications](https://ivfcost.co/medications): What each medication in a US IVF protocol costs and does, one page per drug named by its brand (Menopur, Gonal-f, Follistim, Cetrotide, ganirelix, Ovidrel, Novarel and Pregnyl, Lupron, Clomid, letrozole, progesterone, estradiol): every cash price posted by fertility pharmacies, cash pharmacies, TrumpRx.gov and manufacturer programs, compared per unit with seller, conditions and date; the CMS NADAC price pharmacies pay; savings programs; the FDA label quoted verbatim; adverse-event volume. Posted cash prices read Oct 29, 2026, lowest to highest per comparable unit: Letrozole $0.25 (Mark Cuban Cost Plus Drugs) per 2.5 mg tablet; Clomid $4.08 (Mark Cuban Cost Plus Drugs) per 50 mg tablet; Gonal-f $42 (TrumpRx.gov) per 75 IU; Menopur $95 (Mandell's Clinical Pharmacy) per 75 IU vial; Ganirelix $45.25 (Mark Cuban Cost Plus Drugs) to $49.90 (Mandell's Clinical Pharmacy) per 250 mcg syringe; Cetrotide $22.50 (TrumpRx.gov) to $59.88 (Mark Cuban Cost Plus Drugs) per 0.25 mg dose; Lupron $64.02 (Mark Cuban Cost Plus Drugs) per 14-day kit; Ovidrel $84 (TrumpRx.gov) per 250 mcg syringe; hCG $149.90 (Mandell's Clinical Pharmacy) to $218 (Mandell's Clinical Pharmacy) per 10,000 units; Progesterone capsules $0.40 (Mark Cuban Cost Plus Drugs) per 200 mg capsule; Estradiol $0.23 (Mark Cuban Cost Plus Drugs) per 2 mg tablet. Also 12 manufacturer and charity savings programs with their eligibility.
- [IVF cost calculator](https://ivfcost.co/tools/ivf-cost-calculator): A free calculator that estimates a patient's real all-in IVF cost by age and treatment plan (base cycle, medications, ICSI, PGT-A, transfers) across the number of cycles most patients actually need, with every component figure cited to its source and the age band's CDC success rate shown alongside.
- [IVF due date calculator](https://ivfcost.co/tools/ivf-due-date-calculator): A free calculator that returns the exact due date and current gestational age from an IVF transfer or retrieval date and embryo age, using the ACOG/ASRM clinical constants (Day 5 transfer + 261 days, etc.). Because IVF dates conception exactly, the result is calculated, not estimated.
- [Success rates](https://ivfcost.co/success-rates): IVF live-birth success by patient age from the CDC ART program, with per-clinic rates and the reproductive-medicine research behind them.
- [AMH levels by age](https://ivfcost.co/amh-levels-by-age): Age-specific anti-Mullerian hormone (AMH) reference ranges, median and interquartile range in ng/mL and pmol/L from a 22,920-woman cohort, plus the evidence-based correction most guides omit: AMH measures ovarian reserve (egg quantity and IVF response), not egg quality and not the chance of a natural pregnancy (Steiner JAMA 2017; ACOG and ASRM guidance). Also covers day-3 FSH, day-3 estradiol, and antral follicle count.
- [The IVF process, step by step](https://ivfcost.co/ivf-process): What happens in an IVF cycle and how long each stage takes, cited to NICHD and ASRM: ovarian stimulation (8 to 14 days), the trigger shot (retrieval 34 to 36 hours later), egg retrieval (about 30 minutes under sedation), fertilization and ICSI (used in 82.0% of US embryo transfers for patients under 35 in 2022, per CDC data), embryo growth and Gardner-system grading over 3 to 6 days, optional PGT-A, embryo transfer, and the two-week wait to a blood pregnancy test. About four to six weeks for one fresh cycle. Explains that embryo grading reflects appearance, not chromosomal normality.
- [Embryo grading: what a grade like 4AA means](https://ivfcost.co/embryo-grading): A decoder and guide for Gardner blastocyst grades (expansion 1 to 6, inner cell mass A to C, trophectoderm A to C), with live birth by grade from the largest study (Zou, Hum Reprod 2023: 10,964 single blastocyst transfers at 14 clinics): good grade (AA, AB, BA) 44.4%, moderate grade (BB) 38.6%, low grade (AC, CA, BC, CB, CC) 30.2%, very low grade (CC) 13.7%; low-grade blastocysts carried no higher pregnancy loss and comparable birth outcomes. Which letter matters (trophectoderm predicted live birth in Thompson 2013 US SART data, Hill 2013 and Ahlström 2011; both letters in Zou 2023), grade among PGT-A normal embryos (Irani 2018: Good (AA, AB, BA) 67.8%, Average (BB) 53.4%, Poor (BC, CB) 29.5%), and day 5 vs day 6 (Bourdon 2019 meta-analysis: live birth RR 1.50 favouring day 5). A grade reflects appearance, not chromosomes.
- [IVF add-ons: cost and evidence](https://ivfcost.co/ivf-add-ons): What the common IVF add-ons cost in the US and whether they work, add-on by add-on: PGT-A, ICSI, assisted hatching, embryo glue, endometrial scratching, the ERA receptivity test and time-lapse embryo imaging. Built on the UK regulator's official ratings (0 of the 16 add-ons the HFEA rates are rated as improving the chance of a baby for most patients), the key randomized trials (PGT-A: cumulative live birth 77.2% with it vs 81.8% without, Yan NEJM 2021; ERA-timed transfer: 58.5% vs 61.9%, Doyle JAMA 2022), ASRM and ESHRE positions, and the CDC's 2022 national data: ICSI was used in 82.0% of US embryo transfers for patients under 35, while male-factor infertility was a reason in 28.0% of cycles.
- [Does insurance cover IVF?](https://ivfcost.co/insurance): Whether US insurance covers IVF, which turns on two things: the state (what every state's law requires, 50 states plus DC, including the 14 states plus DC that require fully-insured plans to cover IVF) and the employer (a state mandate cannot reach the self-funded ERISA plans that 67% of covered US workers are in), plus what employer IVF benefits pay, each big insurer's and public program's own policy (one page each), and how to check your own plan. Cited to RESOLVE and KFF.
- [IUI cost and success rates](https://ivfcost.co/iui): What intrauterine insemination (IUI) costs per cycle by medication protocol (natural, oral or injectable), what 100 US clinic locations post for IUI on their own websites (read October 8, 2026, each with what it covers, never averaged or ranked), its per-cycle success rate by age, and an honest IUI vs IVF comparison of cost and odds, including when specialists suggest moving on to IVF. Each figure cited.
- [Frozen embryo transfer (FET)](https://ivfcost.co/fet): What a frozen embryo transfer is, whether it works as well as a fresh transfer (by patient type, from randomized trials and reviews), what it costs (about $4,000 to $6,900), and the step-by-step medicated FET timeline. Cited to ASRM, the CDC and clinical trials. Also what 68 US fertility clinic websites post for a frozen embryo transfer (read October 10, 2026), state by state, each beside what it includes (monitoring, medications, the thaw), never averaged or ranked: $2,294 to $9,900 for one transfer cycle (68 clinic websites).
- [Egg freezing](https://ivfcost.co/egg-freezing): What egg freezing costs (about $10,000 to $20,000 all-in per cycle), how many eggs to freeze by age for a good chance of a baby, how the process works, and why the age you freeze matters more than the number. Cited to the Goldman counseling model, ASRM and Center for Reproduction.
- [Donor egg IVF](https://ivfcost.co/donor-egg-ivf): What donor egg IVF costs (about $23,250 to $65,000, depending on frozen bank eggs or a fresh donor cycle), its success rate (about 53.5% live birth per transfer, largely regardless of the recipient's age), how the process works, and each US clinic's own CDC donor egg success rate (live birth per transfer of frozen donor-egg embryos, fresh embryos from egg-bank eggs and donated embryos), listed by state. Every clinic page also shows a new patient's chance of a baby after all egg retrievals by age, and its twin rate. Cited to CDC ART and ASRM.
- [How much an egg donor costs](https://ivfcost.co/egg-donor-cost): What donor eggs cost at 10 egg banks and 20 egg donor agencies, each one's own posted prices side by side: a lot of 6 to 8 frozen eggs is $17,900 to $24,500 at the 8 US banks with a fixed price (about $2,313 to $3,650 per egg), with each bank's guarantee; clinic programs that include the treatment; and agencies' fees for a fresh donor (from $9,000), donor pay and their own estimates before IVF. Each figure cited to the bank's, agency's or clinic's own page.
- [How much donor sperm costs](https://ivfcost.co/donor-sperm-cost): What donor sperm costs at 15 US sperm banks, each bank's own posted prices side by side: $675 to $2,500 for a standard IUI vial at the 13 banks with a fixed price, cheaper discounted and lower-count vials, shipping ($200 to $500 per order to a clinic), donor profile fees, storage, buyback and home delivery terms, and what one IUI attempt costs all in. Each figure cited to the bank's own price page.
- [IVF abroad: what clinics charge, country by country](https://ivfcost.co/ivf-abroad): What IVF clinics in Mexico, Canada, Colombia, Costa Rica, Panama, the Dominican Republic, Barbados, Peru, Argentina, Spain, Portugal, Greece, Northern Cyprus, Cyprus, the Czech Republic, Poland, Latvia, Denmark, Georgia, Turkey post for IVF on their own websites (read October 9, 2026), each price in its own currency and in US dollars at a dated reference rate, with what it covers (medications, ICSI, freezing), each country's rules (who may be treated, age limits, donor anonymity) and what the same cycle costs in the US. Prices are never averaged or ranked. Basic own-egg IVF, in US dollars: Mexico $3,490 to $9,000; Canada $6,350 to $10,450; Colombia $7,800 to $8,490; Costa Rica $4,330 to $4,500; Panama $5,600 to $5,600; Dominican Republic $6,000 to $10,500; Barbados $6,650 to $6,650; Peru $4,620 to $4,620; Argentina $5,300 to $5,300; Spain $5,350 to $7,170; Portugal $4,570 to $6,280; Greece $3,790 to $4,300; Northern Cyprus $3,900 to $4,460; Czech Republic $2,790 to $3,620; Poland $1,220 to $2,430; Latvia $1,680 to $2,770; Denmark $3,840 to $4,370; Georgia $6,000 to $6,630; Turkey $3,570 to $4,800. With the American Society for Reproductive Medicine's cautions on cross-border care.
- [How much PGT (genetic testing of embryos) costs](https://ivfcost.co/pgt-cost): What 59 US fertility clinics post on their own websites for preimplantation genetic testing (read October 9, 2026), state by state and each beside what it covers, never averaged or ranked: one price for testing a cycle's embryos $1,800 to $6,000 (17 clinics); where the clinic and the genetics lab bill separately, a biopsy fee of $1,200 to $4,000 and a lab fee of $195 to $375 per embryo; IVF packages with PGT $970 to $6,000 more than the same clinic's package without it. Also PGT-M and PGT-SR prices, sex selection, the 2 genetics labs that post a patient price, the states whose law requires plans to cover PGT (California, Illinois), and what ASRM, ACOG and the HFEA say about PGT-A.
- [How much reciprocal IVF (co-IVF) costs](https://ivfcost.co/reciprocal-ivf-cost): What 9 US fertility clinic websites post for reciprocal IVF (one partner's eggs fertilized with donor sperm, the other partner carries; read October 11, 2026), state by state and each beside what it includes, never averaged or ranked: $8,989 to $22,150 for one reciprocal cycle (9 clinic websites); 130 more clinics that describe reciprocal IVF as a service without a posted price; donor sperm on top (US sperm banks' posted vial prices); which IVF insurance laws (15 states and DC) reach a couple who needs donor sperm, from each law's own text; and the federal rule on screening the egg-providing partner (21 CFR 1271.90).
- [How much embryo, egg and sperm storage costs](https://ivfcost.co/embryo-storage-cost): What 37 US fertility clinic websites and 10 long-term storage facilities, sperm banks, at-home sperm freezing companies and couriers post on their own websites for keeping frozen embryos, eggs and sperm (read October 10, 2026), state by state and each beside what it covers, never averaged or ranked: embryo storage $500 to $1,500 a year per patient (23 clinic websites); egg storage $400 to $1,500 a year (25); how much storage freezing fees and IVF packages include (1 to 12 months, 46 clinic websites); long-term facilities ($465 to $650 a year for embryos); fees to release or ship frozen embryos ($250 to $500); what 1, 5 and 10 years cost at the lowest and highest posted fee; prepaid storage; paying with an FSA or HSA (IRS Publication 502), insurance billing codes and state fertility preservation laws that cover storage; what ASRM says happens to unclaimed embryos; and how long embryos and eggs can stay frozen.
- [How much surrogacy costs](https://ivfcost.co/surrogacy-cost): What gestational surrogacy costs through a US agency: about $150,000 to $200,000, the range 8 of the 10 agencies we checked publish, with each agency's own price side by side and what it covers. Most prices leave out IVF (about $14,900 to $59,900 more with your own eggs); first-time carrier base pay is $48,000 to $80,000. Itemized lines (agency fee, insurance, legal, escrow) are cited to each agency's own fee schedule.
- [How much surrogates get paid](https://ivfcost.co/surrogate-pay): What US surrogacy agencies publish they pay a gestational surrogate, agency by agency (19 agencies, first-journey pay $45,000 to $106,000+), each figure linked to the agency's own page with what it covers and what the agency asks of applicants; the payments on top of the base (monthly allowance, transfer, C-section, twins, lost wages) and the states that restrict paid surrogacy.
- [Surrogate requirements, agency by agency](https://ivfcost.co/surrogate-requirements): What 19 US surrogacy agencies publish they ask of a gestational surrogate (age, BMI, a previous birth, C-sections, tubes tied, Medicaid and government assistance, smoking, antidepressants, single applicants, citizenship), each rule quoted from the agency's own page, with one page per question: How old can you be to be a surrogate? What BMI do you need to be a surrogate? Can you be a surrogate if you have never had a baby? Can you be a surrogate after a C-section? Can you be a surrogate with your tubes tied? Can you be a surrogate if you are on Medicaid or government assistance? Can you be a surrogate if you smoke, vape or use marijuana? Can you be a surrogate if you take antidepressants? Can you be a surrogate if you are single? Do you have to be a US citizen to be a surrogate?
- [How much egg donors get paid](https://ivfcost.co/egg-donor-pay): What US egg donor agencies and egg banks publish they pay a donor per donation cycle, program by program (12 programs, $6,500 to $25,000), each with what it covers and what it asks, and what ASRM and New York say the pay is for.
- [How much sperm donors get paid](https://ivfcost.co/sperm-donor-pay): What US sperm banks publish they pay donors, bank by bank (4 banks), each in its own unit (per accepted donation, per month or per program), with what each bank asks of donors.
- [Clinic comparisons](https://ivfcost.co/compare): Head-to-head comparisons of two fertility clinics: the largest clinics of each US metro area compared two at a time (CDC live-birth rate per intended egg retrieval in every age band, what each posts on its own website for IVF, egg freezing, frozen transfers, PGT, IUI and storage with its terms, refund programs, CDC-reported services, distance apart and state insurance law), plus every pairing of the national networks. Posted prices are never ranked or called cheaper; each is shown with what it covers.
- [Guides and data studies](https://ivfcost.co/blog): In-depth, fully-cited guides (how much IVF costs, how to read IVF success rates) and original data studies computed from the full CDC dataset of 457 US clinics (the state of US IVF, the clinic-to-clinic spread in success rates).
- [Charts and infographics](https://ivfcost.co/infographics): Free IVF charts, licensed CC BY 4.0 for reuse with credit, drawn from the same cited data as these pages: success rates and AMH by age, what IVF, donor eggs and add-ons cost and whether add-ons work, state insurance mandates, ways to pay, IUI vs IVF, the IVF and FET timelines, eggs to freeze by age, due dates, and how many clinics post their prices. Each chart has a caption stating its figures and sources.
- [At-home tests](https://ivfcost.co/tests): At-home fertility tests (hormone panels, ovulation monitors, and sperm-analysis kits) compared by what they measure, price, and evidence.
- [At-home sperm tests compared](https://ivfcost.co/tests/sperm-test): 5 at-home sperm tests side by side, $49 to $249, each at the price on the brand's own page, with what each reports (sperm count or concentration, motility, or a semen analysis mailed to a lab).
- [At-home female fertility tests compared](https://ivfcost.co/tests/female-fertility-test): 5 at-home female fertility hormone tests side by side, $86 to $159, each at the price on the brand's own page, with which hormones each measures (AMH, FSH, estradiol, LH). 2 of them measure AMH, the marker of egg supply.
- [Supplements](https://ivfcost.co/supplements): Fertility supplements (CoQ10, inositol, prenatals, and others) graded honestly against the primary literature. Support for fertility, never a treatment.
- [News](https://ivfcost.co/news): Dated changes in US fertility care (clinics that closed or took a new name, IVF grant rounds opening and closing, with the deadlines coming up) and new reproductive-medicine research from Fertility and Sterility and ScienceDaily, each linked to its source.
- [Methodology](https://ivfcost.co/methodology): How every figure is sourced, dated, and computed: the confidence tiers, the primary CDC ART, NLM, and NIH sources, and the citation model behind the whole site.
- [About](https://ivfcost.co/about): What IVFcost.co is, its editorial standards, and its neutrality posture.

## What changed in US fertility care (dated)
The change log at https://ivfcost.co/news#changes: US fertility clinics that closed or took a new name (listed when the clinic, its records custodian or the brand states it on its own pages, quoted there) and IVF grant rounds opening and closing on the dates each program posts. Each entry has its own anchor on that page and links its primary source.
- October 17, 2026: [Journey to Parenthood grant: the 2026 round closed on October 17, 2026. No next round is posted yet.](https://ivfcost.co/news#grant-journey-to-parenthood-2026-closes)
- October 13, 2026: [Boston IVF, RMA Network, Conceptions and 6 other practices took the name Everleap Fertility on October 13, 2026.](https://ivfcost.co/news#name-everleap-fertility)
- October 8, 2026: [SAMFund Family Building Grant (Expect Miracles Foundation): the Fall 2026 round closed on October 8, 2026. Its next round opens in March 2027.](https://ivfcost.co/news#grant-samfund-family-building-fall-2026-closes)
- September 30, 2026: [Gift of Parenthood: the Fourth quarter 2026 round opened on September 30, 2026, with a deadline of December 30, 2026.](https://ivfcost.co/news#grant-gift-of-parenthood-fourth-quarter-2026-opens)
- September 30, 2026: [Hope for Fertility National Grant: the Fall 2026 round closed on September 30, 2026. Its next round opens January 1, 2027.](https://ivfcost.co/news#grant-hope-for-fertility-fall-2026-closes)
- September 30, 2026: [Parental Hope Family Grant: the Fall 2026 round closed on September 30, 2026. Its next round opens in March 2027.](https://ivfcost.co/news#grant-parental-hope-fall-2026-closes)
- September 30, 2026: [The Surrogacy Foundation National Grant: the 2026 round closed on September 30, 2026. No next round is posted yet.](https://ivfcost.co/news#grant-surrogacy-foundation-2026-closes)
- September 29, 2026: [Gift of Parenthood: the Third quarter 2026 round closed on September 29, 2026. Its next round opened on September 30, 2026.](https://ivfcost.co/news#grant-gift-of-parenthood-third-quarter-2026-closes)
- September 15, 2026: [Filotimo Foundation family building grant: the Spring 2027 round opened on September 15, 2026, with a deadline of February 15, 2027.](https://ivfcost.co/news#grant-filotimo-foundation-spring-2027-opens)
- September 3, 2026: [Baby Quest Foundation: the Summer/Fall 2026 round closed on September 3, 2026. Its next round opens January 2, 2027.](https://ivfcost.co/news#grant-baby-quest-foundation-summer-fall-2026-closes)
Coming up (posted dates, at https://ivfcost.co/news#coming-up):
- November 2026: [Chicago Coalition for Family Building grants: the November to December 2026 round opens in November 2026, with a deadline of December 31, 2026. Only the JUF Path to Parenthood grants and the Willow Grant.](https://ivfcost.co/news#grant-chicago-coalition-family-building-november-to-december-2026-opens)
- November 30, 2026: [Starfish Infertility Foundation Leighton Grant: applications for the 2026 round close on November 30, 2026.](https://ivfcost.co/news#grant-starfish-leighton-grant-2026-closes)
- December 30, 2026: [Gift of Parenthood: applications for the Fourth quarter 2026 round close on December 30, 2026.](https://ivfcost.co/news#grant-gift-of-parenthood-fourth-quarter-2026-closes)
- December 31, 2026: [Fertility Foundation of Texas grant: applications for the Winter 2026 round close on December 31, 2026.](https://ivfcost.co/news#grant-fertility-foundation-of-texas-winter-2026-closes)
- December 31, 2026: [Gift of Parenthood: the First quarter 2027 round opens on December 31, 2026, with a deadline of March 30, 2027.](https://ivfcost.co/news#grant-gift-of-parenthood-first-quarter-2027-opens)
- December 31, 2026: [Giving Grace Foundation grant: applications for the 2026 round close on December 31, 2026.](https://ivfcost.co/news#grant-giving-grace-foundation-2026-closes)

## Fertility clinics by metro area
Each page compares the CDC-reporting fertility clinics of one US Census metropolitan area by IVF live-birth rate per intended egg retrieval in every patient age band, names the highest-rate clinic for each age, and adds the clinic-published IVF prices there (with their terms) and what each of the area's states requires insurance to cover.
- [Fertility clinics in Atlanta, GA](https://ivfcost.co/clinics/metro/atlanta-ga): 7 clinics
- [Fertility clinics in Austin, TX](https://ivfcost.co/clinics/metro/austin-tx): 6 clinics
- [Fertility clinics in Baltimore, MD](https://ivfcost.co/clinics/metro/baltimore-md): 2 clinics
- [Fertility clinics in Birmingham, AL](https://ivfcost.co/clinics/metro/birmingham-al): 3 clinics
- [Fertility clinics in Boston, MA](https://ivfcost.co/clinics/metro/boston-ma): 6 clinics
- [Fertility clinics in Buffalo, NY](https://ivfcost.co/clinics/metro/buffalo-ny): 2 clinics
- [Fertility clinics in Charleston, SC](https://ivfcost.co/clinics/metro/charleston-sc): 2 clinics
- [Fertility clinics in Charlotte, NC](https://ivfcost.co/clinics/metro/charlotte-nc): 3 clinics
- [Fertility clinics in Chattanooga, TN](https://ivfcost.co/clinics/metro/chattanooga-tn): 2 clinics
- [Fertility clinics in Chicago, IL](https://ivfcost.co/clinics/metro/chicago-il): 19 clinics
- [Fertility clinics in Cincinnati, OH](https://ivfcost.co/clinics/metro/cincinnati-oh): 4 clinics
- [Fertility clinics in Cleveland, OH](https://ivfcost.co/clinics/metro/cleveland-oh): 2 clinics
- [Fertility clinics in Columbia, MO](https://ivfcost.co/clinics/metro/columbia-mo): 2 clinics
- [Fertility clinics in Columbus, OH](https://ivfcost.co/clinics/metro/columbus-oh): 2 clinics
- [Fertility clinics in Dallas-Fort Worth, TX](https://ivfcost.co/clinics/metro/dallas-fort-worth-tx): 16 clinics
- [Fertility clinics in Denver, CO](https://ivfcost.co/clinics/metro/denver-co): 6 clinics
- [Fertility clinics in Detroit, MI](https://ivfcost.co/clinics/metro/detroit-mi): 6 clinics
- [Fertility clinics in Fort Myers, FL](https://ivfcost.co/clinics/metro/fort-myers-fl): 2 clinics
- [Fertility clinics in Greenville, SC](https://ivfcost.co/clinics/metro/greenville-sc): 2 clinics
- [Fertility clinics in Houston, TX](https://ivfcost.co/clinics/metro/houston-tx): 10 clinics
- [Fertility clinics in Indianapolis, IN](https://ivfcost.co/clinics/metro/indianapolis-in): 6 clinics
- [Fertility clinics in Jacksonville, FL](https://ivfcost.co/clinics/metro/jacksonville-fl): 4 clinics
- [Fertility clinics in the Kansas City area](https://ivfcost.co/clinics/metro/kansas-city): 4 clinics
- [Fertility clinics in Las Vegas, NV](https://ivfcost.co/clinics/metro/las-vegas-nv): 5 clinics
- [Fertility clinics in Lexington, KY](https://ivfcost.co/clinics/metro/lexington-ky): 2 clinics
- [Fertility clinics in Los Angeles and Orange County](https://ivfcost.co/clinics/metro/los-angeles-ca): 44 clinics
- [Fertility clinics in Louisville, KY](https://ivfcost.co/clinics/metro/louisville-ky): 2 clinics
- [Fertility clinics in Lubbock, TX](https://ivfcost.co/clinics/metro/lubbock-tx): 2 clinics
- [Fertility clinics in Madison, WI](https://ivfcost.co/clinics/metro/madison-wi): 2 clinics
- [Fertility clinics in Miami and South Florida](https://ivfcost.co/clinics/metro/miami-fl): 8 clinics
- [Fertility clinics in Milwaukee, WI](https://ivfcost.co/clinics/metro/milwaukee-wi): 3 clinics
- [Fertility clinics in Minneapolis-St. Paul, MN](https://ivfcost.co/clinics/metro/minneapolis-st-paul-mn): 4 clinics
- [Fertility clinics in Nashville, TN](https://ivfcost.co/clinics/metro/nashville-tn): 2 clinics
- [Fertility clinics in New York City](https://ivfcost.co/clinics/metro/new-york-city-ny): 47 clinics
- [Fertility clinics in Oklahoma City, OK](https://ivfcost.co/clinics/metro/oklahoma-city-ok): 2 clinics
- [Fertility clinics in Orlando, FL](https://ivfcost.co/clinics/metro/orlando-fl): 5 clinics
- [Fertility clinics in Philadelphia, PA](https://ivfcost.co/clinics/metro/philadelphia-pa): 10 clinics
- [Fertility clinics in Phoenix, AZ](https://ivfcost.co/clinics/metro/phoenix-az): 8 clinics
- [Fertility clinics in Pittsburgh, PA](https://ivfcost.co/clinics/metro/pittsburgh-pa): 2 clinics
- [Fertility clinics in Portland, OR](https://ivfcost.co/clinics/metro/portland-or): 4 clinics
- [Fertility clinics in Provo, UT](https://ivfcost.co/clinics/metro/provo-ut): 2 clinics
- [Fertility clinics in Raleigh, NC](https://ivfcost.co/clinics/metro/raleigh-nc): 4 clinics
- [Fertility clinics in Richmond, VA](https://ivfcost.co/clinics/metro/richmond-va): 2 clinics
- [Fertility clinics in Riverside-San Bernardino, CA](https://ivfcost.co/clinics/metro/riverside-san-bernardino-ca): 2 clinics
- [Fertility clinics in Rochester, NY](https://ivfcost.co/clinics/metro/rochester-ny): 2 clinics
- [Fertility clinics in Sacramento, CA](https://ivfcost.co/clinics/metro/sacramento-ca): 3 clinics
- [Fertility clinics in Salt Lake City, UT](https://ivfcost.co/clinics/metro/salt-lake-city-ut): 2 clinics
- [Fertility clinics in San Antonio, TX](https://ivfcost.co/clinics/metro/san-antonio-tx): 5 clinics
- [Fertility clinics in San Diego, CA](https://ivfcost.co/clinics/metro/san-diego-ca): 8 clinics
- [Fertility clinics in San Francisco, CA](https://ivfcost.co/clinics/metro/san-francisco-ca): 14 clinics
- [Fertility clinics in San Jose and Silicon Valley](https://ivfcost.co/clinics/metro/san-jose-ca): 7 clinics
- [Fertility clinics in Seattle, WA](https://ivfcost.co/clinics/metro/seattle-wa): 8 clinics
- [Fertility clinics in Spokane, WA](https://ivfcost.co/clinics/metro/spokane-wa): 2 clinics
- [Fertility clinics in St. Louis, MO](https://ivfcost.co/clinics/metro/st-louis-mo): 7 clinics
- [Fertility clinics in Stamford and Bridgeport, CT](https://ivfcost.co/clinics/metro/stamford-bridgeport-ct): 5 clinics
- [Fertility clinics in Syracuse, NY](https://ivfcost.co/clinics/metro/syracuse-ny): 2 clinics
- [Fertility clinics in Tampa, FL](https://ivfcost.co/clinics/metro/tampa-fl): 3 clinics
- [Fertility clinics in Tucson, AZ](https://ivfcost.co/clinics/metro/tucson-az): 2 clinics
- [Fertility clinics in Virginia Beach-Norfolk, VA](https://ivfcost.co/clinics/metro/virginia-beach-norfolk-va): 3 clinics
- [Fertility clinics in Washington, DC](https://ivfcost.co/clinics/metro/washington-dc): 10 clinics
- [Fertility clinics in Winston-Salem, NC](https://ivfcost.co/clinics/metro/winston-salem-nc): 2 clinics

## What each posted IVF price includes (all-inclusive IVF packages)
Each US clinic's posted IVF price, read part by part on its own page: medications, monitoring, the egg retrieval, anesthesia, lab work, ICSI, an embryo transfer, embryo freezing and storage, a later frozen transfer, PGT, pre-cycle testing and assisted hatching, each marked included, billed on top, or not stated, with the clinic's own words. Of the 140 US clinic locations whose posted IVF price we checked (read on Oct 13, 2026; locations of one network can share a price), 3 include medications (North Carolina Center for Reproductive Medicine, Reproductive Sciences Medical Center and Tennessee Reproductive Medicine); 91 list them as billed on top and 46 do not say. Monitoring is included in 64 of them, anesthesia in 38, ICSI in 24, embryo freezing in 40 and PGT genetic testing in 2; the others bill these on top or do not say. Aurora Health Care-Aurora Fertility Services, The Women's Center at Aurora BayCare Medical Center; Aurora Health Care-Aurora Fertility Services, West Allis; and California Center for Reproductive Health, Reproductive Fertility Center call their packages all-inclusive, in their own words. Even a price that includes medications can leave out ICSI, genetic testing or a later frozen transfer, so check each line before you compare two clinics. The national table is at https://ivfcost.co/costs#all-inclusive; each line below is one metro area's table.
- [All-inclusive IVF packages in Atlanta, GA](https://ivfcost.co/clinics/metro/atlanta-ga#all-inclusive): what each of 3 posted prices covers
- [All-inclusive IVF packages in Austin, TX](https://ivfcost.co/clinics/metro/austin-tx#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Baltimore, MD](https://ivfcost.co/clinics/metro/baltimore-md#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Boston, MA](https://ivfcost.co/clinics/metro/boston-ma#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Charlotte, NC](https://ivfcost.co/clinics/metro/charlotte-nc#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Chattanooga, TN](https://ivfcost.co/clinics/metro/chattanooga-tn#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Chicago, IL](https://ivfcost.co/clinics/metro/chicago-il#all-inclusive): what each of 7 posted prices covers
- [All-inclusive IVF packages in Cincinnati, OH](https://ivfcost.co/clinics/metro/cincinnati-oh#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Dallas-Fort Worth, TX](https://ivfcost.co/clinics/metro/dallas-fort-worth-tx#all-inclusive): what each of 4 posted prices covers
- [All-inclusive IVF packages in Denver, CO](https://ivfcost.co/clinics/metro/denver-co#all-inclusive): what each of 4 posted prices covers
- [All-inclusive IVF packages in Detroit, MI](https://ivfcost.co/clinics/metro/detroit-mi#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Fort Myers, FL](https://ivfcost.co/clinics/metro/fort-myers-fl#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Houston, TX](https://ivfcost.co/clinics/metro/houston-tx#all-inclusive): what each of 3 posted prices covers
- [All-inclusive IVF packages in Indianapolis, IN](https://ivfcost.co/clinics/metro/indianapolis-in#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Jacksonville, FL](https://ivfcost.co/clinics/metro/jacksonville-fl#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Las Vegas, NV](https://ivfcost.co/clinics/metro/las-vegas-nv#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Los Angeles and Orange County](https://ivfcost.co/clinics/metro/los-angeles-ca#all-inclusive): what each of 15 posted prices covers
- [All-inclusive IVF packages in Madison, WI](https://ivfcost.co/clinics/metro/madison-wi#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Miami and South Florida](https://ivfcost.co/clinics/metro/miami-fl#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Milwaukee, WI](https://ivfcost.co/clinics/metro/milwaukee-wi#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Minneapolis-St. Paul, MN](https://ivfcost.co/clinics/metro/minneapolis-st-paul-mn#all-inclusive): what each of 4 posted prices covers
- [All-inclusive IVF packages in Nashville, TN](https://ivfcost.co/clinics/metro/nashville-tn#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in New York City](https://ivfcost.co/clinics/metro/new-york-city-ny#all-inclusive): what each of 15 posted prices covers
- [All-inclusive IVF packages in Orlando, FL](https://ivfcost.co/clinics/metro/orlando-fl#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Philadelphia, PA](https://ivfcost.co/clinics/metro/philadelphia-pa#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Phoenix, AZ](https://ivfcost.co/clinics/metro/phoenix-az#all-inclusive): what each of 3 posted prices covers
- [All-inclusive IVF packages in Portland, OR](https://ivfcost.co/clinics/metro/portland-or#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Provo, UT](https://ivfcost.co/clinics/metro/provo-ut#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Raleigh, NC](https://ivfcost.co/clinics/metro/raleigh-nc#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Rochester, NY](https://ivfcost.co/clinics/metro/rochester-ny#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Sacramento, CA](https://ivfcost.co/clinics/metro/sacramento-ca#all-inclusive): what each of 3 posted prices covers
- [All-inclusive IVF packages in San Antonio, TX](https://ivfcost.co/clinics/metro/san-antonio-tx#all-inclusive): what each of 4 posted prices covers
- [All-inclusive IVF packages in San Diego, CA](https://ivfcost.co/clinics/metro/san-diego-ca#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in San Francisco, CA](https://ivfcost.co/clinics/metro/san-francisco-ca#all-inclusive): what each of 6 posted prices covers
- [All-inclusive IVF packages in San Jose and Silicon Valley](https://ivfcost.co/clinics/metro/san-jose-ca#all-inclusive): what each of 4 posted prices covers
- [All-inclusive IVF packages in Seattle, WA](https://ivfcost.co/clinics/metro/seattle-wa#all-inclusive): what each of 4 posted prices covers
- [All-inclusive IVF packages in Spokane, WA](https://ivfcost.co/clinics/metro/spokane-wa#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in St. Louis, MO](https://ivfcost.co/clinics/metro/st-louis-mo#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Stamford and Bridgeport, CT](https://ivfcost.co/clinics/metro/stamford-bridgeport-ct#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Syracuse, NY](https://ivfcost.co/clinics/metro/syracuse-ny#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Tampa, FL](https://ivfcost.co/clinics/metro/tampa-fl#all-inclusive): what each of 2 posted prices covers
- [All-inclusive IVF packages in Tucson, AZ](https://ivfcost.co/clinics/metro/tucson-az#all-inclusive): what the 1 posted price covers
- [All-inclusive IVF packages in Washington, DC](https://ivfcost.co/clinics/metro/washington-dc#all-inclusive): what each of 3 posted prices covers

## Clinic against clinic, by metro area
Each page sets two fertility clinics of the same metro area side by side: the CDC live-birth rate per intended egg retrieval in every patient age band, what each clinic posts on its own website for IVF and other treatments with its terms (never ranked or averaged), refund programs, CDC-reported services, how far apart they are and what the state requires insurance to cover. 331 pages, one per pair among each area's largest clinics by CDC cycle volume, at /compare/<clinic-a>-vs-<clinic-b> (the two clinic page slugs in alphabetical order). Each line names the pair of the area's two largest clinics and links the list of all its pairs.
- [Atlanta Center for Reproductive Medicine vs Reproductive Biology Associates](https://ivfcost.co/compare/atlanta-center-for-reproductive-medicine-atlanta-ga-vs-reproductive-biology-associates-atlanta-ga): Atlanta, GA; all 10 Atlanta-area comparisons at https://ivfcost.co/compare#atlanta-ga
- [Aspire Fertility-Austin vs Texas Fertility Center](https://ivfcost.co/compare/aspire-fertility-austin-austin-tx-vs-texas-fertility-center-vaughn-silverberg-associates-austin-tx): Austin, TX; all 10 Austin-area comparisons at https://ivfcost.co/compare#austin-tx
- [Johns Hopkins Fertility Center vs Shady Grove Fertility-Towson](https://ivfcost.co/compare/johns-hopkins-fertility-center-lutherville-md-vs-shady-grove-fertility-towson-towson-md): Baltimore, MD; the area's one comparison
- [Boston IVF vs Brigham and Women's Hospital Center for Assisted Reproductive Technology](https://ivfcost.co/compare/boston-ivf-llc-waltham-ma-vs-brigham-and-women-s-hospital-center-for-assisted-reproductive-technology-boston-ma): Boston, MA; all 11 Boston-area comparisons at https://ivfcost.co/compare#boston-ma
- [Program for Assisted Reproduction at Atrium Health's Carolinas Medical Center vs Reproductive Endocrinology Associates of Charlotte](https://ivfcost.co/compare/program-for-assisted-reproduction-at-atrium-health-s-carolinas-medical-center-cmc-women-s-institute-charlotte-nc-vs-reproductive-endocrinology-associates-of-charlotte-charlotte-nc): Charlotte, NC; the area's one comparison
- [Fertility Center vs Tennessee Reproductive Medicine](https://ivfcost.co/compare/fertility-center-llc-chattanooga-tn-vs-tennessee-reproductive-medicine-chattanooga-tn): Chattanooga, TN; the area's one comparison
- [Fertility Centers of Illinois-River North IVF vs Northwestern Fertility and Reproductive Medicine](https://ivfcost.co/compare/fertility-centers-of-illinois-river-north-ivf-chicago-il-vs-northwestern-fertility-and-reproductive-medicine-chicago-il): Chicago, IL; all 15 Chicago-area comparisons at https://ivfcost.co/compare#chicago-il
- [Institute for Reproductive Health vs The Fertility Wellness Institute of Ohio](https://ivfcost.co/compare/institute-for-reproductive-health-cincinnati-oh-vs-the-fertility-wellness-institute-of-ohio-west-chester-oh): Cincinnati, OH; all 6 Cincinnati-area comparisons at https://ivfcost.co/compare#cincinnati-oh
- [Cleveland Clinic Fertility Center vs University Hospitals Fertility Center](https://ivfcost.co/compare/cleveland-clinic-fertility-center-beachwood-oh-vs-university-hospitals-fertility-center-beachwood-oh): Cleveland, OH; the area's one comparison
- [Ohio Reproductive Medicine vs Reproductive Gynecology & Infertility-Westerville](https://ivfcost.co/compare/ohio-reproductive-medicine-columbus-oh-vs-reproductive-gynecology-infertility-westerville-westerville-oh): Columbus, OH; the area's one comparison
- [Dallas-Fort Worth Fertility Associates vs Fertility Specialists of Texas](https://ivfcost.co/compare/dallas-fort-worth-fertility-associates-dallas-tx-vs-fertility-specialists-of-texas-pllc-plano-tx): Dallas-Fort Worth, TX; all 16 Dallas-Fort Worth-area comparisons at https://ivfcost.co/compare#dallas-fort-worth-tx
- [Colorado Center for Reproductive Medicine vs Conceptions Reproductive Associates of Colorado](https://ivfcost.co/compare/colorado-center-for-reproductive-medicine-lone-tree-co-vs-conceptions-reproductive-associates-of-colorado-littleton-co): Denver, CO; all 6 Denver-area comparisons at https://ivfcost.co/compare#denver-co
- [IVF Michigan Fertility Centers vs Reproductive Medicine Associates of Michigan](https://ivfcost.co/compare/ivf-michigan-fertility-centers-bloomfield-hills-mi-vs-reproductive-medicine-associates-of-michigan-troy-mi): Detroit, MI; all 10 Detroit-area comparisons at https://ivfcost.co/compare#detroit-mi
- [Fertility Center of the Carolinas vs Piedmont Reproductive Endocrinology Group](https://ivfcost.co/compare/fertility-center-of-the-carolinas-university-medical-group-department-of-obstetrics-and-gynecology-greenville-sc-vs-piedmont-reproductive-endocrinology-group-pa-greenville-sc): Greenville, SC; the area's one comparison
- [Houston Fertility Institute vs CCRM Houston](https://ivfcost.co/compare/houston-fertility-institute-houston-tx-vs-houston-ivf-dba-ccrm-houston-houston-tx): Houston, TX; all 10 Houston-area comparisons at https://ivfcost.co/compare#houston-tx
- [Indiana Fertility Institute vs Midwest Fertility Specialists](https://ivfcost.co/compare/indiana-fertility-institute-indianapolis-in-vs-midwest-fertility-specialists-carmel-in): Indianapolis, IN; all 3 Indianapolis-area comparisons at https://ivfcost.co/compare#indianapolis-in
- [Brown Fertility vs Florida Institute for Reproductive Medicine](https://ivfcost.co/compare/brown-fertility-jacksonville-fl-vs-florida-institute-for-reproductive-medicine-jacksonville-fl): Jacksonville, FL; all 6 Jacksonville-area comparisons at https://ivfcost.co/compare#jacksonville-fl
- [Center for Advanced Reproductive Medicine vs Midwest Reproductive Center](https://ivfcost.co/compare/center-for-advanced-reproductive-medicine-overland-park-ks-vs-midwest-reproductive-center-pa-olathe-ks): the Kansas City area; all 6 Kansas City-area comparisons at https://ivfcost.co/compare#kansas-city
- [Fertility Center of Las Vegas vs Green Valley Fertility Partners](https://ivfcost.co/compare/fertility-center-of-las-vegas-las-vegas-nv-vs-green-valley-fertility-partners-henderson-nv): Las Vegas, NV; all 10 Las Vegas-area comparisons at https://ivfcost.co/compare#las-vegas-nv
- [HRC Fertility-Pasadena vs Life IVF Center](https://ivfcost.co/compare/hrc-fertility-pasadena-pasadena-ca-vs-life-ivf-center-irvine-ca): Los Angeles and Orange County; all 29 Los Angeles-area comparisons at https://ivfcost.co/compare#los-angeles-ca
- [Fertility & Endocrine Associates vs Kentucky Fertility Institute](https://ivfcost.co/compare/fertility-endocrine-associates-louisville-reproductive-center-louisville-ky-vs-kentucky-fertility-institute-llc-louisville-ky): Louisville, KY; the area's one comparison
- [University of Wisconsin-Generations Fertility Care vs Wisconsin Fertility Institute](https://ivfcost.co/compare/university-of-wisconsin-generations-fertility-care-middleton-wi-vs-wisconsin-fertility-institute-middleton-wi): Madison, WI; the area's one comparison
- [IVF Florida Reproductive Associates vs IVFMD](https://ivfcost.co/compare/ivf-florida-reproductive-associates-margate-fl-vs-ivfmd-south-florida-institute-for-reproductive-medicine-south-miami-fl): Miami and South Florida; all 10 Miami-area comparisons at https://ivfcost.co/compare#miami-fl
- [Aurora Health Care-Aurora Fertility Services, West Allis vs Froedtert & Medical College of Wisconsin, Reproductive Medicine Center](https://ivfcost.co/compare/aurora-health-care-aurora-fertility-services-west-allis-west-allis-wi-vs-froedtert-medical-college-of-wisconsin-reproductive-medicine-center-menomonee-falls-wi): Milwaukee, WI; the area's one comparison
- [CCRM Minneapolis vs Reproductive Medicine & Infertility Associates](https://ivfcost.co/compare/ccrm-minneapolis-edina-mn-vs-reproductive-medicine-infertility-associates-woodbury-mn): Minneapolis-St. Paul, MN; all 3 Minneapolis-St. Paul-area comparisons at https://ivfcost.co/compare#minneapolis-st-paul-mn
- [Nashville Fertility Center vs Tennessee Fertility Institute](https://ivfcost.co/compare/nashville-fertility-center-nashville-tn-vs-tennessee-fertility-institute-franklin-tn): Nashville, TN; the area's one comparison
- [New Hope Fertility Center vs Reproductive Medicine Associates of New Jersey](https://ivfcost.co/compare/new-hope-fertility-center-new-york-ny-vs-reproductive-medicine-associates-of-new-jersey-basking-ridge-nj): New York City; all 32 New York City-area comparisons at https://ivfcost.co/compare#new-york-city-ny
- [Center for Reproductive Medicine vs The IVF Center](https://ivfcost.co/compare/center-for-reproductive-medicine-pa-winter-park-fl-vs-the-ivf-center-winter-park-fl): Orlando, FL; all 3 Orlando-area comparisons at https://ivfcost.co/compare#orlando-fl
- [Main Line Fertility & Reproductive Medicine vs Shady Grove Fertility-Pennsylvania](https://ivfcost.co/compare/main-line-fertility-reproductive-medicine-bryn-mawr-pa-vs-shady-grove-fertility-pennsylvania-wayne-pa): Philadelphia, PA; all 15 Philadelphia-area comparisons at https://ivfcost.co/compare#philadelphia-pa
- [Advanced Fertility Care vs New Direction Fertility Centers](https://ivfcost.co/compare/advanced-fertility-care-pllc-scottsdale-az-vs-new-direction-fertility-centers-gilbert-az): Phoenix, AZ; all 10 Phoenix-area comparisons at https://ivfcost.co/compare#phoenix-az
- [AHN Center for Reproductive Medicine vs University of Pittsburgh Physicians, Center for Fertility and Reproductive Endocrinology](https://ivfcost.co/compare/ahn-center-for-reproductive-medicine-pittsburgh-pa-vs-university-of-pittsburgh-physicians-center-for-fertility-and-reproductive-endocrinology-pittsburgh-pa): Pittsburgh, PA; the area's one comparison
- [ORM Fertility-Portland vs University Fertility Consultants, Oregon Health & Science University](https://ivfcost.co/compare/orm-fertility-portland-portland-or-vs-university-fertility-consultants-oregon-health-science-university-portland-or): Portland, OR; the area's one comparison
- [Carolina Conceptions vs UNC Fertility](https://ivfcost.co/compare/carolina-conceptions-pa-raleigh-nc-vs-unc-fertility-raleigh-nc): Raleigh, NC; all 6 Raleigh-area comparisons at https://ivfcost.co/compare#raleigh-nc
- [Shady Grove Fertility-Richmond vs VCU Reproductive Medicine](https://ivfcost.co/compare/shady-grove-fertility-richmond-richmond-va-vs-vcu-reproductive-medicine-richmond-va): Richmond, VA; the area's one comparison
- [American Reproductive Centers vs Loma Linda University Center for Fertility and IVF](https://ivfcost.co/compare/american-reproductive-centers-palm-springs-ca-vs-loma-linda-university-center-for-fertility-and-ivf-loma-linda-ca): Riverside-San Bernardino, CA; the area's one comparison
- [Rochester Regional Health Fertility Care vs Strong Fertility Center](https://ivfcost.co/compare/rochester-regional-health-fertility-care-rochester-ny-vs-strong-fertility-center-rochester-ny): Rochester, NY; the area's one comparison
- [California IVF Fertility Center vs Northern California Fertility Medical Center](https://ivfcost.co/compare/california-ivf-fertility-center-sacramento-ca-vs-northern-california-fertility-medical-center-sacramento-ca): Sacramento, CA; all 3 Sacramento-area comparisons at https://ivfcost.co/compare#sacramento-ca
- [Reproductive Care Center vs Utah Center for Reproductive Medicine](https://ivfcost.co/compare/reproductive-care-center-sandy-ut-vs-utah-center-for-reproductive-medicine-salt-lake-city-ut): Salt Lake City, UT; the area's one comparison
- [Aspire Fertility-San Antonio vs Fertility Center of San Antonio](https://ivfcost.co/compare/aspire-fertility-san-antonio-san-antonio-tx-vs-fertility-center-of-san-antonio-san-antonio-tx): San Antonio, TX; all 6 San Antonio-area comparisons at https://ivfcost.co/compare#san-antonio-tx
- [Reproductive Partners Fertility Center-San Diego vs San Diego Fertility Center](https://ivfcost.co/compare/reproductive-partners-fertility-center-san-diego-la-jolla-ca-vs-san-diego-fertility-center-san-diego-ca): San Diego, CA; all 10 San Diego-area comparisons at https://ivfcost.co/compare#san-diego-ca
- [Spring Fertility-San Francisco vs UCSF Center for Reproductive Health](https://ivfcost.co/compare/spring-fertility-san-francisco-san-francisco-ca-vs-ucsf-center-for-reproductive-health-san-francisco-ca): San Francisco, CA; all 15 San Francisco-area comparisons at https://ivfcost.co/compare#san-francisco-ca
- [Palo Alto Medical Foundation vs Stanford Medicine Fertility & Reproductive Health](https://ivfcost.co/compare/palo-alto-medical-foundation-san-jose-ca-vs-stanford-medicine-fertility-reproductive-health-sunnyvale-ca): San Jose and Silicon Valley; all 10 San Jose-area comparisons at https://ivfcost.co/compare#san-jose-ca
- [Pacific Northwest Fertility and IVF Specialists vs Seattle Reproductive Medicine](https://ivfcost.co/compare/pacific-northwest-fertility-and-ivf-specialists-seattle-wa-vs-seattle-reproductive-medicine-seattle-wa): Seattle, WA; all 10 Seattle-area comparisons at https://ivfcost.co/compare#seattle-wa
- [Center for Reproductive Health vs SRM Spokane](https://ivfcost.co/compare/center-for-reproductive-health-spokane-wa-vs-srm-spokane-spokane-valley-wa): Spokane, WA; the area's one comparison
- [Kindbody Fertility Institute-St Louis vs MCRM Fertility](https://ivfcost.co/compare/kindbody-fertility-institute-st-louis-st-louis-mo-vs-mcrm-fertility-chesterfield-mo): St. Louis, MO; all 10 St. Louis-area comparisons at https://ivfcost.co/compare#st-louis-mo
- [Greenwich Fertility and IVF Center vs Illume Fertility](https://ivfcost.co/compare/greenwich-fertility-and-ivf-center-pc-greenwich-ct-vs-illume-fertility-norwalk-ct): Stamford and Bridgeport, CT; all 6 Stamford and Bridgeport-area comparisons at https://ivfcost.co/compare#stamford-bridgeport-ct
- [Boston IVF-The Syracuse Center vs CNY Fertility Center](https://ivfcost.co/compare/boston-ivf-the-syracuse-center-syracuse-ny-vs-cny-fertility-center-syracuse-ny): Syracuse, NY; the area's one comparison
- [Shady Grove Fertility Tampa Bay vs The Reproductive Medicine Group](https://ivfcost.co/compare/shady-grove-fertility-tampa-bay-tampa-fl-vs-the-reproductive-medicine-group-tampa-fl): Tampa, FL; all 3 Tampa-area comparisons at https://ivfcost.co/compare#tampa-fl
- [Arizona Center for Reproductive Endocrinology and Infertility vs Reproductive Health Center](https://ivfcost.co/compare/arizona-center-for-reproductive-endocrinology-and-infertility-tucson-az-vs-reproductive-health-center-tucson-az): Tucson, AZ; the area's one comparison
- [Procreate Fertility Center of Virginia vs The New Hope Center for Reproductive Medicine](https://ivfcost.co/compare/procreate-fertility-center-of-virginia-chesapeake-va-vs-the-new-hope-center-for-reproductive-medicine-virginia-beach-va): Virginia Beach-Norfolk, VA; the area's one comparison
- [Dominion Fertility vs Shady Grove Fertility-Rockville](https://ivfcost.co/compare/dominion-fertility-arlington-va-vs-shady-grove-fertility-rockville-rockville-md): Washington, DC; all 10 Washington, DC-area comparisons at https://ivfcost.co/compare#washington-dc
- [Carolinas Fertility Institute vs Wake Forest University Center for Reproductive Medicine](https://ivfcost.co/compare/carolinas-fertility-institute-winston-salem-nc-vs-wake-forest-university-center-for-reproductive-medicine-winston-salem-nc): Winston-Salem, NC; the area's one comparison

## Egg freezing cost by metro area
Each page lists what every fertility clinic in one US Census metropolitan area that offers egg freezing posts for it on its own website (read Oct 4, 2026), with what each price includes (medications, monitoring, anesthesia, storage) and what costs extra, never averaged or ranked by price; the egg and embryo banking cycles each clinic reported to the CDC; the state's fertility preservation insurance law; and the grants that accept the area's residents for egg freezing.
- [Egg freezing cost in Atlanta, GA](https://ivfcost.co/egg-freezing/atlanta-ga): 2 of 7 clinics post a price
- [Egg freezing cost in Austin, TX](https://ivfcost.co/egg-freezing/austin-tx): 1 of 6 clinics posts a price
- [Egg freezing cost in Boston, MA](https://ivfcost.co/egg-freezing/boston-ma): 2 of 6 clinics post a price
- [Egg freezing cost in Chicago, IL](https://ivfcost.co/egg-freezing/chicago-il): 4 of 19 clinics post a price
- [Egg freezing cost in Dallas-Fort Worth, TX](https://ivfcost.co/egg-freezing/dallas-fort-worth-tx): 3 of 16 clinics post a price
- [Egg freezing cost in Denver, CO](https://ivfcost.co/egg-freezing/denver-co): 3 of 6 clinics post a price
- [Egg freezing cost in Detroit, MI](https://ivfcost.co/egg-freezing/detroit-mi): 1 of 6 clinics posts a price
- [Egg freezing cost in Fort Myers, FL](https://ivfcost.co/egg-freezing/fort-myers-fl): 1 of 2 clinics posts a price
- [Egg freezing cost in Houston, TX](https://ivfcost.co/egg-freezing/houston-tx): 2 of 10 clinics post a price
- [Egg freezing cost in Indianapolis, IN](https://ivfcost.co/egg-freezing/indianapolis-in): 1 of 6 clinics posts a price
- [Egg freezing cost in Jacksonville, FL](https://ivfcost.co/egg-freezing/jacksonville-fl): 2 of 4 clinics post a price
- [Egg freezing cost in Los Angeles and Orange County](https://ivfcost.co/egg-freezing/los-angeles-ca): 11 of 44 clinics post a price
- [Egg freezing cost in Miami and South Florida](https://ivfcost.co/egg-freezing/miami-fl): 1 of 8 clinics posts a price
- [Egg freezing cost in Minneapolis-St. Paul, MN](https://ivfcost.co/egg-freezing/minneapolis-st-paul-mn): 2 of 4 clinics post a price
- [Egg freezing cost in Nashville, TN](https://ivfcost.co/egg-freezing/nashville-tn): 1 of 2 clinics posts a price
- [Egg freezing cost in New York City](https://ivfcost.co/egg-freezing/new-york-city-ny): 14 of 47 clinics post a price
- [Egg freezing cost in Orlando, FL](https://ivfcost.co/egg-freezing/orlando-fl): 2 of 5 clinics post a price
- [Egg freezing cost in Philadelphia, PA](https://ivfcost.co/egg-freezing/philadelphia-pa): 4 of 10 clinics post a price
- [Egg freezing cost in Phoenix, AZ](https://ivfcost.co/egg-freezing/phoenix-az): 3 of 8 clinics post a price
- [Egg freezing cost in Provo, UT](https://ivfcost.co/egg-freezing/provo-ut): 2 of 2 clinics post a price
- [Egg freezing cost in Raleigh, NC](https://ivfcost.co/egg-freezing/raleigh-nc): 2 of 4 clinics post a price
- [Egg freezing cost in Riverside-San Bernardino, CA](https://ivfcost.co/egg-freezing/riverside-san-bernardino-ca): 1 of 2 clinics posts a price
- [Egg freezing cost in Sacramento, CA](https://ivfcost.co/egg-freezing/sacramento-ca): 2 of 3 clinics post a price
- [Egg freezing cost in San Antonio, TX](https://ivfcost.co/egg-freezing/san-antonio-tx): 2 of 5 clinics post a price
- [Egg freezing cost in San Diego, CA](https://ivfcost.co/egg-freezing/san-diego-ca): 1 of 8 clinics posts a price
- [Egg freezing cost in San Francisco, CA](https://ivfcost.co/egg-freezing/san-francisco-ca): 7 of 14 clinics post a price
- [Egg freezing cost in San Jose and Silicon Valley](https://ivfcost.co/egg-freezing/san-jose-ca): 2 of 7 clinics post a price
- [Egg freezing cost in Seattle, WA](https://ivfcost.co/egg-freezing/seattle-wa): 5 of 8 clinics post a price
- [Egg freezing cost in Spokane, WA](https://ivfcost.co/egg-freezing/spokane-wa): 1 of 2 clinics posts a price
- [Egg freezing cost in St. Louis, MO](https://ivfcost.co/egg-freezing/st-louis-mo): 1 of 7 clinics posts a price
- [Egg freezing cost in Stamford and Bridgeport, CT](https://ivfcost.co/egg-freezing/stamford-bridgeport-ct): 2 of 5 clinics post a price
- [Egg freezing cost in Syracuse, NY](https://ivfcost.co/egg-freezing/syracuse-ny): 1 of 2 clinics posts a price
- [Egg freezing cost in Tampa, FL](https://ivfcost.co/egg-freezing/tampa-fl): 2 of 3 clinics post a price
- [Egg freezing cost in Tucson, AZ](https://ivfcost.co/egg-freezing/tucson-az): 1 of 2 clinics posts a price
- [Egg freezing cost in Virginia Beach-Norfolk, VA](https://ivfcost.co/egg-freezing/virginia-beach-norfolk-va): 1 of 3 clinics posts a price
- [Egg freezing cost in Washington, DC](https://ivfcost.co/egg-freezing/washington-dc): 4 of 10 clinics post a price

## IVF cost abroad, by country
Each page lists every IVF clinic in one country that posts an IVF price on its own website (each country read on the day its line gives), each price in its own currency and in US dollars, with what it covers, the country's rules, and a comparison with what IVF costs in the US.
- [IVF cost in Mexico](https://ivfcost.co/ivf-abroad/mexico): 11 clinics post prices; basic own-egg IVF about $3,490 to $9,000 (read Oct 9, 2026)
- [IVF cost in Canada](https://ivfcost.co/ivf-abroad/canada): 21 clinics post prices; basic own-egg IVF about $6,350 to $10,450 (read Oct 9, 2026)
- [IVF cost in Colombia](https://ivfcost.co/ivf-abroad/colombia): 4 clinics post prices; basic own-egg IVF about $7,800 to $8,490 (read Oct 9, 2026)
- [IVF cost in Spain](https://ivfcost.co/ivf-abroad/spain): 8 clinics post prices; basic own-egg IVF about $5,350 to $7,170 (read Oct 9, 2026)
- [IVF cost in Portugal](https://ivfcost.co/ivf-abroad/portugal): 10 clinics post prices; basic own-egg IVF about $4,570 to $6,280 (read Oct 9, 2026)
- [IVF cost in Greece](https://ivfcost.co/ivf-abroad/greece): 4 clinics post prices; basic own-egg IVF about $3,790 to $4,300 (read Oct 9, 2026)
- [IVF cost in Northern Cyprus](https://ivfcost.co/ivf-abroad/northern-cyprus): 3 clinics post prices; basic own-egg IVF about $3,900 to $4,460 (read Oct 27, 2026)
- [IVF cost in the Czech Republic](https://ivfcost.co/ivf-abroad/czech-republic): 9 clinics post prices; basic own-egg IVF about $2,790 to $3,620 (read Oct 9, 2026)
- [IVF cost in Poland](https://ivfcost.co/ivf-abroad/poland): 3 clinics post prices; basic own-egg IVF about $1,220 to $2,430 (read Oct 27, 2026)
- [IVF cost in Latvia](https://ivfcost.co/ivf-abroad/latvia): 3 clinics post prices; basic own-egg IVF about $1,680 to $2,770 (read Oct 27, 2026)
- [IVF cost in Denmark](https://ivfcost.co/ivf-abroad/denmark): 4 clinics post prices; basic own-egg IVF about $3,840 to $4,370 (read Oct 27, 2026)
- [IVF cost in Georgia](https://ivfcost.co/ivf-abroad/georgia): 3 clinics post prices; basic own-egg IVF about $6,000 to $6,630 (read Oct 27, 2026)
- [IVF cost in Turkey](https://ivfcost.co/ivf-abroad/turkey): 3 clinics post prices; basic own-egg IVF about $3,570 to $4,800 (read Oct 27, 2026)

## What each sperm bank costs, one page per bank
Each page lists one US sperm bank's own posted prices (read 2026-10-07): every vial by donor identity and preparation, shipping, storage, profile and buyback terms in its own words, what one IUI attempt with its standard vial costs all in, and every other bank's standard vial beside it.
- [BioGenetics cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/biogenetics): BioGenetics charges $675 for a standard IUI vial, from $600 for its lowest-priced vial. Every posted price and fee, quoted.
- [California Cryobank cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/california-cryobank): California Cryobank charges $2,397 for a standard IUI vial, from $897 for its lowest-priced vial; shipping $499. Every posted price and fee, quoted.
- [Cascade Cryobank cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/cascade-cryobank): Cascade Cryobank charges $1,700 for a standard IUI vial, from $1,500 for its lowest-priced vial; shipping $300. Every posted price and fee, quoted.
- [Cryobank America cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/cryobank-america): Cryobank America charges $1,200 for a standard IUI vial, from $1,100 for its lowest-priced vial; shipping $200. Every posted price and fee, quoted.
- [Cryobio cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/cryobio): Cryobio charges $1,170 for a standard IUI vial, from $1,020 for its lowest-priced vial; shipping $375. Every posted price and fee, quoted.
- [CryoGam cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/cryogam): CryoGam charges $1,060 for a standard IUI vial, from $645 for its lowest-priced vial; shipping $310. Every posted price and fee, quoted.
- [Cryomate cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/cryomate): Cryomate charges $1,750 for a standard IUI vial; shipping $250. Every posted price and fee, quoted.
- [Cryos International cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/cryos-international): Cryos International charges from $599 for a standard IUI vial; shipping $375. Every posted price and fee, quoted.
- [Fairfax Cryobank cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/fairfax-cryobank): Fairfax Cryobank charges $2,195 for a standard IUI vial, from $595 for its lowest-priced vial; shipping $355. Every posted price and fee, quoted.
- [MySpermBank cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/myspermbank): MySpermBank charges from $1,700 for a standard IUI vial. Every posted price and fee, quoted.
- [Seattle Sperm Bank cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/seattle-sperm-bank): Seattle Sperm Bank charges $1,695 for a standard IUI vial, from $1,395 for its lowest-priced vial; shipping $275. Every posted price and fee, quoted.
- [Sperm Bank Inc. cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/sperm-bank-inc): Sperm Bank Inc. charges $1,495 for a standard IUI vial, from $1,195 for its lowest-priced vial. Every posted price and fee, quoted.
- [The Sperm Bank of California cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/sperm-bank-of-california): The Sperm Bank of California charges $2,500 for a standard IUI vial; shipping $375. Every posted price and fee, quoted.
- [The World Egg and Sperm Bank cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/world-egg-and-sperm-bank): The World Egg and Sperm Bank charges $1,199 for a standard IUI vial; shipping $500. Every posted price and fee, quoted.
- [Xytex cost: price per vial (2026)](https://ivfcost.co/donor-sperm-cost/xytex): Xytex charges $1,975 for a standard IUI vial; shipping $255. Every posted price and fee, quoted.

## What each egg bank charges for donor eggs, one page per bank
Each page lists one egg bank's own posted offers for frozen donor eggs (read 2026-10-26): every lot with what it guarantees, the price per egg as arithmetic on the bank's own offer, shipping and other terms in its own words, a time-limited offer only through its last day, what clinics that sell frozen donor eggs with the treatment charge all in, and every other bank's basic lot beside it.
- [A.EggBank cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/a-eggbank): A.EggBank's own posted price: $11,740 for 8 frozen eggs (about $1,468 an egg), its guarantee and every offer. Read October 26, 2026.
- [CCRM egg bank cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/ccrm): CCRM egg bank's own posted price: $18,500 for 8 frozen eggs (about $2,313 an egg), its guarantee and every offer. Read October 26, 2026.
- [Cofertility cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/cofertility): Cofertility's own posted price: $24,500 for 7 frozen eggs (about $3,500 an egg), its guarantee and every offer. Read October 26, 2026.
- [Donor Egg Bank USA cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/donor-egg-bank-usa): Donor Egg Bank USA's own posted price: $18,900 for 6 to 8 frozen eggs (about $2,363 to $3,150 an egg), its guarantee and every offer. Read October 26, 2026.
- [Donor Nexus cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/donor-nexus): Donor Nexus's own posted price: $19,500 to $29,500 for 6 frozen eggs, by donor (about $3,250 to $4,917 an egg), its guarantee and every offer.
- [Egg Donation Inc. cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/egg-donation-inc): Egg Donation Inc.'s own posted price: $17,900 to $25,900 for 6 frozen eggs, by donor (about $2,983 to $4,317 an egg), its guarantee and every offer.
- [Fairfax EggBank cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/fairfax-eggbank): Fairfax EggBank's own posted price: from $16,350 for 6 to 8 frozen eggs (about $2,044 to $2,725 an egg), its guarantee and every offer. Read October 26, 2026.
- [Lucina Egg Bank cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/lucina-egg-bank): Lucina Egg Bank's own posted price: $19,000 for 6 frozen eggs (about $3,167 an egg), its guarantee and every offer. Read October 26, 2026.
- [Pinnacle Egg Bank cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/pinnacle-egg-bank): Pinnacle Egg Bank's own posted price: $20,990 for 6 frozen eggs (about $3,498 an egg), its guarantee and every offer. Read October 26, 2026.
- [World Egg and Sperm Bank cost: donor egg prices (2026)](https://ivfcost.co/egg-donor-cost/world-egg-and-sperm-bank): World Egg and Sperm Bank's own posted price: $21,900 for 6 frozen eggs (about $3,650 an egg), its guarantee and every offer. Read October 26, 2026.

## What each surrogacy agency charges, one page per agency
Each page shows one US surrogacy agency's own published price for its standard program (read 2026-10-26) beside exactly what it covers, its agency fee and carrier base pay where it states them, the IVF most prices leave out, the cost lines every agency schedule lists, and every other agency's price beside it.
- [Circle Surrogacy cost: $196,500 (2026)](https://ivfcost.co/surrogacy-cost/circle-surrogacy): Circle Surrogacy publishes $196,500 for its Journey Protection Program (IVF not included). What it covers and what comes on top. Read October 26, 2026.
- [ConceiveAbilities surrogacy cost: $197,500 (2026)](https://ivfcost.co/surrogacy-cost/conceiveabilities): ConceiveAbilities publishes $197,500 for its All-In Program (IVF not included). What it covers and what comes on top. Read October 26, 2026.
- [Egg Donor & Surrogate Solutions cost (2026)](https://ivfcost.co/surrogacy-cost/egg-donor-and-surrogate-solutions): Egg Donor & Surrogate Solutions publishes $150,000 to $200,000+ as its estimated total without an egg donor (IVF not stated).
- [Family Source Consultants surrogacy cost: $188,000 (2026)](https://ivfcost.co/surrogacy-cost/family-source-consultants): Family Source Consultants publishes $188,000 for its Fixed Journey Program (IVF not stated). What it covers and what comes on top. Read October 26, 2026.
- [Growing Generations surrogacy cost (2026)](https://ivfcost.co/surrogacy-cost/growing-generations): Growing Generations publishes $213,000 to $267,000+ for its standard Legacy program (creating the embryos extra). What it covers and what comes on top.
- [Hatch surrogacy cost: $180,000 (2026)](https://ivfcost.co/surrogacy-cost/hatch): Hatch publishes $180,000 for its Fixed Fee Surrogacy Only (IVF not included). What it covers and what comes on top. Read October 26, 2026.
- [Northwest Surrogacy Center cost: $190,950 (2026)](https://ivfcost.co/surrogacy-cost/northwest-surrogacy-center): Northwest Surrogacy Center publishes $190,950 for its Guarantee Program (IVF not included). What it covers and what comes on top. Read October 26, 2026.
- [Physician's Surrogacy cost: $145,000 (2026)](https://ivfcost.co/surrogacy-cost/physicians-surrogacy): Physician's Surrogacy publishes $145,000 for its Surrogacy Flat Rate (IVF not included). What it covers and what comes on top. Read October 26, 2026.
- [The Center for Surrogacy & Egg Donation cost (2026)](https://ivfcost.co/surrogacy-cost/center-for-surrogacy-and-egg-donation): The Center for Surrogacy & Egg Donation publishes $150,000 to $200,000 as its typical total (IVF included). What it covers and what comes on top.
- [Worldwide Surrogacy Specialists cost (2026)](https://ivfcost.co/surrogacy-cost/worldwide-surrogacy-specialists): Worldwide Surrogacy Specialists publishes $165,000 to $185,000 as its average cost for intended parents (IVF not included).

## What each agency, egg bank and sperm bank pays surrogates and donors, one page per program
Each page shows what one US surrogacy agency, egg donor program or sperm bank publishes it pays (read Oct 28, 2026), what the figure covers, what it asks of applicants, and where it sits among the others.
- [How much does CCRM Fertility pay egg donors?](https://ivfcost.co/egg-donor-pay/ccrm): CCRM Fertility publishes $7,000 to $9,500 for egg donors (per cycle, national page). As stated on its own page, compared with other agencies.
- [How much does ConceiveAbilities pay egg donors?](https://ivfcost.co/egg-donor-pay/conceiveabilities): ConceiveAbilities publishes $10,000+ for egg donors (starting pay, per cycle). As stated on its own page, compared with other agencies.
- [How much does Donor Nexus pay egg donors?](https://ivfcost.co/egg-donor-pay/donor-nexus): Donor Nexus lets egg donors set their own pay (you set your own compensation, no cap; travel, lodging and a companion's expenses covered), and asks for 19 to 30, BMI under 24.9 (athletes may be exceptions), non-smoker. From its own page, compared with other programs.
- [How much does Egg Donation, Inc. pay egg donors?](https://ivfcost.co/egg-donor-pay/egg-donation-inc): Egg Donation, Inc. publishes $7,500+ for egg donors (first-time donors). As stated on its own page, compared with other agencies.
- [How much does Egg Donor & Surrogacy Institute pay egg donors?](https://ivfcost.co/egg-donor-pay/edsi): Egg Donor & Surrogacy Institute publishes $10,000+ for egg donors (first-time, per completed cycle), and asks for 19 to 29, height and weight appropriate, non-smoker. As stated on its own page, compared with other agencies.
- [How much does Fairfax EggBank pay egg donors?](https://ivfcost.co/egg-donor-pay/fairfax-eggbank): Fairfax EggBank publishes $10,000 for egg donors (about, per cycle; up to $60,000 over six cycles). As stated on its own page, compared with other agencies.
- [How much does Growing Generations pay egg donors?](https://ivfcost.co/egg-donor-pay/growing-generations): Growing Generations publishes $150,000+ for egg donors (up to, across several cycles, for a highly desired match (no per-cycle figure published)), and asks for 21 to 29, BMI below 27.5, no tobacco. As stated on its own page, compared with other agencies.
- [How much does Illume Fertility pay egg donors?](https://ivfcost.co/egg-donor-pay/illume): Illume Fertility publishes $15,000 for egg donors (per cycle, up to six cycles ($90,000)). As stated on its own page, compared with other agencies.
- [How much does Lucina Egg Bank (Iconic program) pay egg donors?](https://ivfcost.co/egg-donor-pay/lucina-iconic): Lucina Egg Bank (Iconic program) publishes $50,000 for egg donors (up to, per cycle, in its program for graduates of top-20 universities), and asks for a bachelor's, master's or doctorate from a top-20 university. As stated on its own page, compared with other agencies.
- [How much does MyEggBank pay egg donors?](https://ivfcost.co/egg-donor-pay/myeggbank): MyEggBank publishes $10,000 to $20,000 for egg donors (per cycle, up to $90,000 over six cycles). As stated on its own page, compared with other agencies.
- [How much does Patriot Conceptions pay egg donors?](https://ivfcost.co/egg-donor-pay/patriot): Patriot Conceptions publishes $8,000 to $10,000 for egg donors (first-time, per completed cycle), and asks for 21 to 28, BMI 18 to 30, non-smoker. As stated on its own page, compared with other agencies.
- [How much does PFC Donor Agency pay egg donors?](https://ivfcost.co/egg-donor-pay/pfc-donor-agency): PFC Donor Agency publishes $10,000 to $20,000 for egg donors (per cycle (Bay Area donors from $15,000)). As stated on its own page, compared with other agencies.
- [How much does RSMC / IARP pay egg donors?](https://ivfcost.co/egg-donor-pay/rsmc-iarp): RSMC / IARP publishes $7,000 to $25,000 for egg donors (first-time donors). As stated on its own page, compared with other agencies.
- [How much does Shady Grove Fertility pay egg donors?](https://ivfcost.co/egg-donor-pay/shady-grove): Shady Grove Fertility publishes $6,500 to $7,500 for egg donors (first-time donors, per completed cycle), and asks for 21 to 30, BMI 18 to 29.4, no smoking or vaping, a high school diploma, live or work within 90 minutes of a participating office. As stated on its own page, compared with other agencies.
- [How much does SIMPLIFY Egg Bank pay egg donors?](https://ivfcost.co/egg-donor-pay/simplify-egg-bank): SIMPLIFY Egg Bank publishes $8,000 to $10,000 for egg donors (per donation). As stated on its own page, compared with other agencies.
- [How much does California Cryobank pay sperm donors?](https://ivfcost.co/sperm-donor-pay/california-cryobank): California Cryobank publishes $2,400 for sperm donors (up to, a month, at the maximum of 3 donations a week). As stated on its own page, compared with other agencies.
- [How much does Cryos International USA pay sperm donors?](https://ivfcost.co/sperm-donor-pay/cryos-usa): Cryos International USA publishes $720 for sperm donors (up to, a month (per visit, per sample and per release payments)), and asks for 18 to 44. As stated on its own page, compared with other agencies.
- [How much does Fairfax Cryobank pay sperm donors?](https://ivfcost.co/sperm-donor-pay/fairfax-cryobank): Fairfax Cryobank publishes $4,000 for sperm donors (up to, over its 6-month program ($150 per donation visit)), and asks for 18 to 39. As stated on its own page, compared with other agencies.
- [How much does Growing Generations pay sperm donors?](https://ivfcost.co/sperm-donor-pay/growing-generations): Growing Generations publishes $10,000+ for sperm donors (per donation in its directed-donor program, up to $100,000 over several). As stated on its own page, compared with other agencies.
- [How much does Seattle Sperm Bank pay sperm donors?](https://ivfcost.co/sperm-donor-pay/seattle-sperm-bank): Seattle Sperm Bank publishes $1,500 for sperm donors (up to, a month ($100 per approved donation, up to $10,000 a year)). As stated on its own page, compared with other agencies.
- [How much does American Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/american-surrogacy): American Surrogacy publishes $55,000 to $65,000+ for surrogates (first-time base). As stated on its own page, compared with other agencies.
- [How much does Babytree Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/babytree-surrogacy): Babytree Surrogacy publishes $60,000 to $90,000 for surrogates (first journey: $60,000 base in California, up to $90,000 with allowances). As stated on its own page, compared with other agencies.
- [How much does Circle Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/circle-surrogacy): Circle Surrogacy publishes $55,000 to $75,000+ for surrogates (first journey, base from $55,000 plus benefits). As stated on its own page, compared with other agencies.
- [How much does ConceiveAbilities pay surrogates?](https://ivfcost.co/surrogate-pay/conceiveabilities): ConceiveAbilities publishes $75,000 for surrogates (up to, first journey, by state and income (includes a limited-time $10,000 bonus)). As stated on its own page, compared with other agencies.
- [How much does Egg Donor & Surrogacy Institute pay surrogates?](https://ivfcost.co/surrogate-pay/edsi): Egg Donor & Surrogacy Institute publishes $60,000 to $70,000 for surrogates (first-time base ($70,000 in California)), and asks for 21 to 40, BMI 32 or lower, at least one successful pregnancy, smoke-free home. As stated on its own page, compared with other agencies.
- [How much does Eggceptional Fertility pay surrogates?](https://ivfcost.co/surrogate-pay/eggceptional): Eggceptional Fertility publishes $60,000 to $80,000 for surrogates (typical; first-time from $60,000). As stated on its own page, compared with other agencies.
- [How much does Family Source Consultants pay surrogates?](https://ivfcost.co/surrogate-pay/family-source-consultants): Family Source Consultants publishes $55,000+ for surrogates (base pay, first journey), and asks for 21 to 42, BMI 34 or less, a prior full-term birth and raising that child, no smoking. As stated on its own page, compared with other agencies.
- [How much does Golden Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/golden-surrogacy): Golden Surrogacy publishes $70,000+ for surrogates (first journey: $50,000 base + $20,000 benefits), and asks for 23 to 37, BMI 30 or under, has given birth to and is raising a child, non-smoker. As stated on its own page, compared with other agencies.
- [How much does Growing Generations pay surrogates?](https://ivfcost.co/surrogate-pay/growing-generations): Growing Generations publishes $70,000 to $80,000 for surrogates (first-time package, by state), and asks for 21 to 38, BMI below 32, a prior pregnancy and delivery, tobacco-free 12 months; not from LA, NE or NY. As stated on its own page, compared with other agencies.
- [How much does Hatch pay surrogates?](https://ivfcost.co/surrogate-pay/hatch): Hatch publishes $50,000 to $55,000 for surrogates (first-time base, plus benefits). As stated on its own page, compared with other agencies.
- [How much does Ivy Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/ivy-surrogacy): Ivy Surrogacy publishes $45,000 to $60,000 for surrogates (base pay, first journey), and asks for 20 to 36, BMI typically 19 to 30, a prior healthy birth, non-smoker. As stated on its own page, compared with other agencies.
- [How much does Modern Family Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/modern-family-surrogacy): Modern Family Surrogacy publishes $70,000 to $90,000 for surrogates (first journey, before travel and lost-wage stipends). As stated on its own page, compared with other agencies.
- [How much does Northwest Surrogacy Center pay surrogates?](https://ivfcost.co/surrogate-pay/northwest-surrogacy-center): Northwest Surrogacy Center publishes $62,000+ for surrogates (comprehensive compensation (some packages from $70,000)). As stated on its own page, compared with other agencies.
- [How much does Patriot Conceptions pay surrogates?](https://ivfcost.co/surrogate-pay/patriot-conceptions): Patriot Conceptions publishes $50,000+ for surrogates (base pay), and asks for 21 to 40, BMI under 35, a prior birth, smoke-free. As stated on its own page, compared with other agencies.
- [How much does Physician's Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/physicians-surrogacy): Physician's Surrogacy publishes $60,000 to $75,000+ for surrogates (first journey, flat rate by state). As stated on its own page, compared with other agencies.
- [How much does Quest Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/quest-surrogacy): Quest Surrogacy publishes $45,000 to $65,000 for surrogates (first-time base $45,000; typical total up to $65,000). As stated on its own page, compared with other agencies.
- [How much does Simple Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/simple-surrogacy): Simple Surrogacy publishes $58,000 to $63,000 for surrogates (first journey ($63,000 with maternity coverage)). As stated on its own page, compared with other agencies.
- [How much does Surrogacy4All pay surrogates?](https://ivfcost.co/surrogate-pay/surrogacy4all): Surrogacy4All publishes $50,000 to $65,000 for surrogates (base pay; total up to $100,000). As stated on its own page, compared with other agencies.
- [How much does West Coast Surrogacy pay surrogates?](https://ivfcost.co/surrogate-pay/west-coast-surrogacy): West Coast Surrogacy publishes $86,000 to $106,000+ for surrogates (total compensation (highest for experienced California surrogates)). As stated on its own page, compared with other agencies.

## Surrogate pay by state, one page per state
Each page answers how much surrogates get paid in one US state: what the agencies that publish pay by state list for it, the agencies with one national figure, and whether paid surrogacy is restricted there.
- [How much do surrogates get paid in Alabama?](https://ivfcost.co/surrogate-pay/state/alabama)
- [How much do surrogates get paid in Alaska?](https://ivfcost.co/surrogate-pay/state/alaska)
- [How much do surrogates get paid in Arizona?](https://ivfcost.co/surrogate-pay/state/arizona)
- [How much do surrogates get paid in Arkansas?](https://ivfcost.co/surrogate-pay/state/arkansas)
- [How much do surrogates get paid in California?](https://ivfcost.co/surrogate-pay/state/california)
- [How much do surrogates get paid in Colorado?](https://ivfcost.co/surrogate-pay/state/colorado)
- [How much do surrogates get paid in Connecticut?](https://ivfcost.co/surrogate-pay/state/connecticut)
- [How much do surrogates get paid in Delaware?](https://ivfcost.co/surrogate-pay/state/delaware)
- [How much do surrogates get paid in District of Columbia?](https://ivfcost.co/surrogate-pay/state/district-of-columbia)
- [How much do surrogates get paid in Florida?](https://ivfcost.co/surrogate-pay/state/florida)
- [How much do surrogates get paid in Georgia?](https://ivfcost.co/surrogate-pay/state/georgia)
- [How much do surrogates get paid in Hawaii?](https://ivfcost.co/surrogate-pay/state/hawaii)
- [How much do surrogates get paid in Idaho?](https://ivfcost.co/surrogate-pay/state/idaho)
- [How much do surrogates get paid in Illinois?](https://ivfcost.co/surrogate-pay/state/illinois)
- [How much do surrogates get paid in Indiana?](https://ivfcost.co/surrogate-pay/state/indiana)
- [How much do surrogates get paid in Iowa?](https://ivfcost.co/surrogate-pay/state/iowa)
- [How much do surrogates get paid in Kansas?](https://ivfcost.co/surrogate-pay/state/kansas)
- [How much do surrogates get paid in Kentucky?](https://ivfcost.co/surrogate-pay/state/kentucky)
- [How much do surrogates get paid in Louisiana?](https://ivfcost.co/surrogate-pay/state/louisiana)
- [How much do surrogates get paid in Maine?](https://ivfcost.co/surrogate-pay/state/maine)
- [How much do surrogates get paid in Maryland?](https://ivfcost.co/surrogate-pay/state/maryland)
- [How much do surrogates get paid in Massachusetts?](https://ivfcost.co/surrogate-pay/state/massachusetts)
- [How much do surrogates get paid in Michigan?](https://ivfcost.co/surrogate-pay/state/michigan)
- [How much do surrogates get paid in Minnesota?](https://ivfcost.co/surrogate-pay/state/minnesota)
- [How much do surrogates get paid in Mississippi?](https://ivfcost.co/surrogate-pay/state/mississippi)
- [How much do surrogates get paid in Missouri?](https://ivfcost.co/surrogate-pay/state/missouri)
- [How much do surrogates get paid in Montana?](https://ivfcost.co/surrogate-pay/state/montana)
- [How much do surrogates get paid in Nebraska?](https://ivfcost.co/surrogate-pay/state/nebraska)
- [How much do surrogates get paid in Nevada?](https://ivfcost.co/surrogate-pay/state/nevada)
- [How much do surrogates get paid in New Hampshire?](https://ivfcost.co/surrogate-pay/state/new-hampshire)
- [How much do surrogates get paid in New Jersey?](https://ivfcost.co/surrogate-pay/state/new-jersey)
- [How much do surrogates get paid in New Mexico?](https://ivfcost.co/surrogate-pay/state/new-mexico)
- [How much do surrogates get paid in New York?](https://ivfcost.co/surrogate-pay/state/new-york)
- [How much do surrogates get paid in North Carolina?](https://ivfcost.co/surrogate-pay/state/north-carolina)
- [How much do surrogates get paid in North Dakota?](https://ivfcost.co/surrogate-pay/state/north-dakota)
- [How much do surrogates get paid in Ohio?](https://ivfcost.co/surrogate-pay/state/ohio)
- [How much do surrogates get paid in Oklahoma?](https://ivfcost.co/surrogate-pay/state/oklahoma)
- [How much do surrogates get paid in Oregon?](https://ivfcost.co/surrogate-pay/state/oregon)
- [How much do surrogates get paid in Pennsylvania?](https://ivfcost.co/surrogate-pay/state/pennsylvania)
- [How much do surrogates get paid in Rhode Island?](https://ivfcost.co/surrogate-pay/state/rhode-island)
- [How much do surrogates get paid in South Carolina?](https://ivfcost.co/surrogate-pay/state/south-carolina)
- [How much do surrogates get paid in South Dakota?](https://ivfcost.co/surrogate-pay/state/south-dakota)
- [How much do surrogates get paid in Tennessee?](https://ivfcost.co/surrogate-pay/state/tennessee)
- [How much do surrogates get paid in Texas?](https://ivfcost.co/surrogate-pay/state/texas)
- [How much do surrogates get paid in Utah?](https://ivfcost.co/surrogate-pay/state/utah)
- [How much do surrogates get paid in Vermont?](https://ivfcost.co/surrogate-pay/state/vermont)
- [How much do surrogates get paid in Virginia?](https://ivfcost.co/surrogate-pay/state/virginia)
- [How much do surrogates get paid in Washington?](https://ivfcost.co/surrogate-pay/state/washington)
- [How much do surrogates get paid in West Virginia?](https://ivfcost.co/surrogate-pay/state/west-virginia)
- [How much do surrogates get paid in Wisconsin?](https://ivfcost.co/surrogate-pay/state/wisconsin)
- [How much do surrogates get paid in Wyoming?](https://ivfcost.co/surrogate-pay/state/wyoming)

## Does my insurer cover IVF? One page per insurer and public program
Each page quotes what one US health insurer or public program publishes in its own current documents (medical policy, member pages, evidence of coverage, plan brochures, or the agency's own pages; each page is dated the day its documents were read, from 2026-10-12) about covering IVF: whether it is covered and for whom, the criteria, prior authorization, fertility drugs, egg freezing and genetic testing, and for insurers what each state's law requires of a plan issued there (one section per state).
- [Does UnitedHealthcare cover IVF?](https://ivfcost.co/insurance/unitedhealthcare): Only if your plan includes it. IVF only when your plan includes an infertility benefit; prior authorization required.
- [Does Blue Cross Blue Shield cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield): Only if your plan includes it. Each Blue company sets its own rules; the policies we read cover IVF only when the contract or employer includes it.
- [Does Aetna cover IVF?](https://ivfcost.co/insurance/aetna): Only if your plan includes it. IVF only on plans with an ART benefit; precertified by its National Infertility Unit.
- [Does Cigna cover IVF?](https://ivfcost.co/insurance/cigna): Only if your plan includes it. IVF only when your plan has an infertility benefit; its 2026 individual plans exclude it in the 10 states we read.
- [Does Kaiser Permanente cover IVF?](https://ivfcost.co/insurance/kaiser-permanente): Only if your plan includes it. Depends on your plan in every region; IVF via California's SB 729 on select large-group plans or a fertility rider.
- [Does Ambetter cover IVF?](https://ivfcost.co/insurance/ambetter): Not on the individual plans we read. Its 2026 Texas, Florida and Georgia plans cover infertility diagnosis but exclude IVF, insemination and their drugs.
- [Does Oscar cover IVF?](https://ivfcost.co/insurance/oscar): Not on the individual plans we read. Its Texas, Florida and Georgia individual plans exclude IVF, insemination and infertility drugs.
- [Does Obamacare cover IVF?](https://ivfcost.co/insurance/obamacare): Only in 9 states and DC. IVF is required on marketplace plans in 9 states and DC; in 26 states the benchmark plan leaves infertility treatment out.
- [Does FEHB cover IVF?](https://ivfcost.co/insurance/fehb): On some plans. IVF only on the plans that include it; every plan covers IVF drugs for 3 cycles. The 2026 plans and their limits.
- [Does TRICARE cover IVF?](https://ivfcost.co/insurance/tricare): No, except for injured service members. Excludes IVF, except at no cost for seriously ill or injured active duty members; 8 military hospitals run reduced-cost fertility programs.
- [Does the VA cover IVF?](https://ivfcost.co/insurance/va): Only for service-connected infertility. Covers IVF for Veterans whose service-connected condition caused their infertility, and their spouses; IUI for all Veterans.
- [Does Medicaid cover IVF?](https://ivfcost.co/insurance/medicaid): Almost never. No state's Medicaid covers IVF for infertility in general; a few cover fertility drugs or fertility preservation.
- [Does Medicare cover IVF?](https://ivfcost.co/insurance/medicare): Its documents do not name IVF. Its manual covers "reasonable and necessary" infertility treatment without naming IVF; Part D excludes fertility drugs.
- [Does UMR cover IVF?](https://ivfcost.co/insurance/umr): Only if your employer's plan includes it. Self-funded employer plans: IVF only when your employer's plan document includes an infertility benefit.
- [Does Harvard Pilgrim cover IVF?](https://ivfcost.co/insurance/harvard-pilgrim): Covered with prior approval on plans with the infertility benefit. IVF covered with prior approval on plans with the infertility benefit; criteria, age rules and limits apply.
- [Does Tufts Health Plan cover IVF?](https://ivfcost.co/insurance/tufts-health-plan): Covered with prior authorization on plans with the infertility benefit. IVF covered with prior authorization when guideline criteria are met; Tufts Health Direct covers it for 2027.
- [Does Surest cover IVF?](https://ivfcost.co/insurance/surest): Only if your employer's plan includes it. Employer plans only: IVF only when your employer's Surest plan includes an infertility benefit.
- [Does Meritain Health cover IVF?](https://ivfcost.co/insurance/meritain-health): Only if your employer's plan includes it. Self-funded employer plans, each customized: IVF only if your employer's plan document includes it.
- [Does EmblemHealth cover IVF?](https://ivfcost.co/insurance/emblemhealth): Depends on your plan; large group plans cover 3 IVF cycles. Large group plans: at least 3 IVF cycles with drugs under New York law; other plans follow their own benefits.
- [Does ConnectiCare cover IVF?](https://ivfcost.co/insurance/connecticare): Up to 2 IVF cycles on the 2026 individual plan we read. 2026 individual contract: 2 IVF cycles, 3 IUI and 4 ovulation induction cycles, drugs under the pharmacy benefit.
- [Does Molina Healthcare cover IVF?](https://ivfcost.co/insurance/molina-healthcare): Varies by state and plan. State by state: Illinois Marketplace plans cover IVF; Texas and California exclude it; Nevada covers insemination only.
- [Does CareSource cover IVF?](https://ivfcost.co/insurance/caresource): Not on its Marketplace plans. Its Marketplace plans exclude IVF and insemination; only the causes of infertility are treated.
- [Does SelectHealth cover IVF?](https://ivfcost.co/insurance/selecthealth): Depends on your plan. Its federal employee plan covers IVF (3 cycles a year); the Utah individual plan we read does not.
- [Does Oxford Health Plans cover IVF?](https://ivfcost.co/insurance/oxford-health-plans): Only if your plan has an infertility benefit. IVF only with an infertility benefit; Optum's Managed Infertility Program reviews treatment, with prior authorization.
- [Does HealthPartners cover IVF?](https://ivfcost.co/insurance/healthpartners): Not on its individual and small employer plans. Its 2026 individual and small employer plans cover infertility diagnosis only; treatment and drugs are excluded.
- [Does Medica cover IVF?](https://ivfcost.co/insurance/medica): Only if your plan has an assisted reproduction benefit. IVF only on plans with an assisted reproduction benefit; its 2026 individual plans cover diagnosis only.
- [Does Priority Health cover IVF?](https://ivfcost.co/insurance/priority-health): Only with an infertility rider or fertility benefit. IVF and IUI only with an infertility rider or fertility benefit; freezing eggs or sperm is not covered.
- [Does MVP Health Care cover IVF?](https://ivfcost.co/insurance/mvp-health-care): Only if your contract includes it; 3 IVF cycles where it does. IVF only where your contract includes it (New York mandate plans): 3 lifetime cycles; not on Vermont plans.
- [Does Quartz cover IVF?](https://ivfcost.co/insurance/quartz): Not on most plans we could read; your plan decides. No current infertility policy; most members' drug benefits exclude fertility drugs; the state employee plan excludes IVF.
- [Does CDPHP cover IVF?](https://ivfcost.co/insurance/cdphp): Large business plans: 3 IVF cycles; individual and small group plans: no. Large business plans cover 3 IVF cycles; individual, small group and Essential Plan contracts exclude IVF.
- [Does Sentara Health Plans cover IVF?](https://ivfcost.co/insurance/sentara-health-plans): Only if your employer added a rider; not on individual plans. Employer plans: IVF only with a rider; individual plans exclude it; its federal employee plan covers 3 a year.
- [Does UPMC Health Plan cover IVF?](https://ivfcost.co/insurance/upmc-health-plan): Depends on your plan: individual plans exclude IVF. Individual plans exclude IVF (insemination only); employer plans follow the employer; federal plan $12,500 a year.
- [Does Security Health Plan cover IVF?](https://ivfcost.co/insurance/security-health-plan): Not on its individual or large employer plans. Diagnosis only: its 2027 individual and 2026 large employer plans exclude infertility treatment, drugs and IVF.
- [Does PacificSource cover IVF?](https://ivfcost.co/insurance/pacificsource): Not on its Idaho plans; elsewhere your handbook decides. Its Idaho plans exclude IVF and infertility treatment; other states: your member handbook decides.
- [Does Baylor Scott & White Health Plan cover IVF?](https://ivfcost.co/insurance/baylor-scott-white-health-plan): Only as a rider to your plan. Diagnosis only on most plans; IVF only through a rider; insemination and fertility drugs excluded.
- [Does Independent Health cover IVF?](https://ivfcost.co/insurance/independent-health): Only if your contract includes it; 3 IVF cycles where it does. IVF only where your contract includes it (New York mandate plans): 3 lifetime cycles; individual plans exclude it.
- [Does Sanford Health Plan cover IVF?](https://ivfcost.co/insurance/sanford-health-plan): Not on its individual or small group plans. Individual and small group plans cover infertility testing only; IVF, insemination and fertility drugs are excluded.
- [Does HAP cover IVF?](https://ivfcost.co/insurance/hap): Only with an assisted reproduction rider. IVF only on plans with HAP's assisted reproduction rider, with prior authorization; its Postal plan excludes IVF.
- [Does Moda Health cover IVF?](https://ivfcost.co/insurance/moda-health): Not on its standard plans; some public employer plans cover IVF. Standard Oregon and Alaska plans exclude infertility treatment; Oregon state employee (PEBB) plans cover IVF.
- [Does Health Net cover IVF?](https://ivfcost.co/insurance/health-net): Large group plans: yes, 3 egg retrievals (California SB 729). California large group plans cover IVF (3 retrievals) under SB 729; Health Net is leaving commercial group coverage.
- [Does Sharp Health Plan cover IVF?](https://ivfcost.co/insurance/sharp-health-plan): Large group plans: yes, 3 egg retrievals; individual plans: no. Large group plans cover IVF (3 egg retrievals, unlimited transfers); small group only if included; individual plans no.
- [Does Medical Mutual cover IVF?](https://ivfcost.co/insurance/medical-mutual): Not on its individual or federal plans; employer plans decide. Individual and FEHB plans exclude IVF (FEHB covers 3 inseminations a year); employer plans decide, e.g. Ohio's state plan to $20,000.
- [Does Network Health cover IVF?](https://ivfcost.co/insurance/network-health): Not on its individual or Wisconsin public employee plans. 2026 individual plans exclude IVF, IUI, egg freezing and fertility drugs; 2027 Wisconsin public employee plans exclude infertility treatment.
- [Does Avera Health Plans cover IVF?](https://ivfcost.co/insurance/avera-health-plans): Not on the plans we could read; check your plan document. 2026 individual and employer plan summaries list infertility treatment as generally not covered; your plan document decides.
- [Does AmeriHealth cover IVF?](https://ivfcost.co/insurance/amerihealth): Only if your plan has the benefit; individual plans cover insemination only. IVF only where your plan has the benefit, after its criteria (12 months under 35, 6 at 35+); NJ individual plans cover insemination only.
- [Does Presbyterian Health Plan cover IVF?](https://ivfcost.co/insurance/presbyterian-health-plan): Not on its group plans: only diagnosis and treating a physical cause. 2026 group agreements cover only diagnosis and treating a physical cause; IVF drugs, GIFT/ZIFT, donor sperm and storage excluded.
- [Does Fallon Health cover IVF?](https://ivfcost.co/insurance/fallon-health): Community Care plans: IVF covered, $125 to $250 a procedure (Massachusetts law). Community Care: IVF covered ($125-$250 a procedure), IUI in full, prior authorization, FSH and AMH limits; MassHealth plan: no IVF.
- [Does Anthem cover IVF?](https://ivfcost.co/insurance/anthem): Depends on your plan. Its guideline sets the criteria; your plan and your state's law decide whether IVF is covered at all.
- [Does Blue Shield of California cover IVF?](https://ivfcost.co/insurance/blue-shield-of-california): Required on large-group plans since 2026. Required on fully insured large-group plans since 2026 (SB 729); optional for small businesses and self-funded employers.
- [Does Blue Cross Blue Shield of Texas cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-texas): Only if your employer bought it. IVF is a separate plan fully insured employers may buy; where they do, single people and same-sex couples qualify.
- [Does Blue Cross Blue Shield of Illinois cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-illinois): Depends on your plan and Illinois law. Your plan decides first; Illinois law requires IVF on many fully insured plans and defines infertility broadly.
- [Does Florida Blue cover IVF?](https://ivfcost.co/insurance/florida-blue): Depends on your benefits. IVF varies by your benefits; where covered, four cycles meet its guideline. Egg freezing is treated as experimental.
- [Does Blue Cross Blue Shield of Michigan cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-michigan): Only if your employer added it. IVF only when the employer group added it through the certificate or a rider.
- [Does Highmark cover IVF?](https://ivfcost.co/insurance/highmark): Only if your plan has an IVF benefit. IVF is generally excluded from standard contracts; covered only with an assisted reproduction benefit.
- [Does Blue Cross NC cover IVF?](https://ivfcost.co/insurance/blue-cross-nc): Only if your contract includes it. IVF only if your member contract specifies it; some plans have no infertility benefits at all.
- [Does Horizon Blue Cross Blue Shield cover IVF?](https://ivfcost.co/insurance/horizon-blue-cross-blue-shield): Depends on your plan and New Jersey law. Not every Horizon plan covers infertility; New Jersey's law and the state employees' plans cover IVF.
- [Does Independence Blue Cross cover IVF?](https://ivfcost.co/insurance/independence-blue-cross): Not on its individual plans. Its individual plans exclude IVF and conception drugs but cover artificial insemination; employer plans can differ.
- [Does Blue Cross Blue Shield of Massachusetts cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-massachusetts): Covered under Massachusetts law, per your certificate. Its policy covers IVF under Massachusetts law for members who meet its criteria, with no cycle or dollar cap stated.
- [Does CareFirst cover IVF?](https://ivfcost.co/insurance/carefirst): Depends on your plan and where it is issued. D.C. plans must cover 3 egg retrievals; Maryland requires IVF on most fully insured plans; some members have no infertility benefits.
- [Does Excellus cover IVF?](https://ivfcost.co/insurance/excellus): Large-group plans: 3 IVF cycles. Large-group plans cover 3 IVF cycles under New York law; other contracts can exclude it.
- [Does Regence cover IVF?](https://ivfcost.co/insurance/regence): Not on the individual plans we read. Its 2026 Utah and Oregon individual plans exclude IVF, insemination and fertility drugs; employer plans can differ.
- [Does Premera Blue Cross cover IVF?](https://ivfcost.co/insurance/premera-blue-cross): Only if your contract covers it. Diagnosis is covered; IVF and fertility drugs only when your contract includes them.
- [Does Wellmark cover IVF?](https://ivfcost.co/insurance/wellmark): Not on the individual plans we read. Its Blue HMO individual plans exclude IVF and insemination, and end all fertility benefits once either is done.
- [Does Blue Cross and Blue Shield of Minnesota cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-minnesota): Not on the individual and small employer plans we read. Its 2026 and 2027 individual and 2025 small employer plans exclude assisted reproduction; diagnosis is covered.
- [Does AZ Blue cover IVF?](https://ivfcost.co/insurance/az-blue): Not on its individual plans. Its individual and family plans exclude fertility and infertility treatment and drugs; employer plans can differ.
- [Does Capital Blue Cross cover IVF?](https://ivfcost.co/insurance/capital-blue-cross): IVF excluded on its individual plans; insemination covered. Its 2026 individual plans cover insemination and infertility treatment but exclude IVF and fertility drugs.
- [Does Blue Cross Blue Shield of Rhode Island cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-rhode-island): Covered for members who meet its criteria, per your contract. IVF and insemination covered for members who meet its criteria, with no age limit of its own.
- [Does BlueCross BlueShield of South Carolina cover IVF?](https://ivfcost.co/insurance/bluecross-blueshield-of-south-carolina): Only if your contract includes it. IVF only if your contract includes it, then under medical criteria; not over 45; one preservation cycle.
- [Does Blue Cross and Blue Shield of Louisiana cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-louisiana): Not on the individual plan we read. Its 2026 individual plan excludes IVF and insemination; fertility preservation up to $10,000 on some plans.
- [Does Arkansas Blue Cross cover IVF?](https://ivfcost.co/insurance/arkansas-blue-cross): Where your contract has the benefit: 4 egg retrievals, $15,000 lifetime. Contract-specific: up to 4 egg retrievals or 2 IVF births, $15,000 lifetime IVF benefit on many plans.
- [Does Blue Cross Vermont cover IVF?](https://ivfcost.co/insurance/blue-cross-vermont): Not on its individual plans; some self-funded employers cover 4 cycles. Individual plans exclude IVF and fertility drugs; self-funded employer groups may cover 4 cycles ($15,000 lifetime).
- [Does Blue Cross of Idaho cover IVF?](https://ivfcost.co/insurance/blue-cross-of-idaho): Not on its individual, small or large group plans. Its 2027 individual and group plans exclude IVF, IUI and fertility drugs; self-funded groups can differ.
- [Does Blue Cross and Blue Shield of Kansas cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-kansas): Not on its individual or group plans. Its 2026 individual and group contracts exclude IVF and insemination; the state employee plan covers 3 IUIs a year.
- [Does Blue Cross and Blue Shield of Nebraska cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-nebraska): Not on its individual plans; some employer plans cover IVF. Individual plans exclude IVF and fertility drugs; employer plans differ, from IVF covered ($15,000) to excluded.
- [Does Blue Cross & Blue Shield of Mississippi cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-mississippi): Not on its individual or group plans. Its 2026 individual and group certificates exclude infertility treatment, IUI, IVF and fertility drugs.
- [Does BlueCross BlueShield of Tennessee cover IVF?](https://ivfcost.co/insurance/bluecross-blueshield-of-tennessee): Not on the plans we could read; check your plan document. 2026 individual and large-group plan summaries list infertility treatment as generally not covered; your plan document decides.
- [Does Blue Cross Blue Shield of Montana cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-montana): Not on its individual, group or self-funded plans; IUI is covered. 2026 individual, group and self-funded plans exclude IVF and fertility drugs; they cover the work-up, IUI and fertility preservation.
- [Does Blue Cross Blue Shield of North Dakota cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-north-dakota): Large group plans: IVF to $20,000 lifetime; individual and small group plans: no. Sample large group plans cover IVF ($500 lifetime deductible, $20,000 lifetime maximum); 2027 individual and small group plans exclude it.
- [Does Blue Cross Blue Shield of Oklahoma cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-oklahoma): Not on its individual or employer plans we read; your contract decides. 2026 individual and employer plans exclude IVF, insemination and fertility drugs; fertility preservation for cancer is required by Oklahoma law.
- [Does Blue KC cover IVF?](https://ivfcost.co/insurance/blue-kc): Not on its individual plans; employer plans decide. 2026 individual plans exclude IVF, insemination and ovulation induction; employer plan documents are not public and decide.
- [Does HMSA cover IVF?](https://ivfcost.co/insurance/hmsa): One IVF procedure, once (Hawaii law); with precertification. One outpatient IVF procedure, once, as Hawaii law requires; precertification; no freezing, donor costs or surrogacy.
- [Does Blue Cross Blue Shield of Alabama cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-alabama): Not on its individual plans (other infertility care is covered); employer plans decide. 2026 individual plans exclude assisted reproduction, IVF included, but cover other infertility treatment; employer plans decide.
- [Does Blue Cross Blue Shield of New Mexico cover IVF?](https://ivfcost.co/insurance/blue-cross-blue-shield-of-new-mexico): Not on its employer plans we read; your contract decides. 2026 employer plans exclude IVF, insemination and fertility drugs; they cover diagnosing infertility and treating physical causes.

## Does my employer cover IVF? One page per employer
Each page quotes what one large US employer publishes about its fertility benefit (read between Oct 11, 2026 and Oct 30, 2026; each page gives its own date): whether IVF is named as covered, the stated limit, whether part-time workers qualify, who runs the benefit, and adoption and surrogacy amounts, with the page each statement is on.
- [Does Abbott cover IVF?](https://ivfcost.co/companies-that-cover-ivf/abbott): states a fertility benefit without naming IVF
- [Does Accenture cover IVF?](https://ivfcost.co/companies-that-cover-ivf/accenture): states a fertility benefit without naming IVF ($20,000 lifetime)
- [Does Adobe cover IVF?](https://ivfcost.co/companies-that-cover-ivf/adobe): names IVF as covered (3 cycles)
- [Does Ally Financial cover IVF?](https://ivfcost.co/companies-that-cover-ivf/ally-financial): states a fertility benefit without naming IVF
- [Does Amazon cover IVF?](https://ivfcost.co/companies-that-cover-ivf/amazon): names IVF as covered (1 Maven cycle); part-time workers do not qualify
- [Does AMD cover IVF?](https://ivfcost.co/companies-that-cover-ivf/amd): states a fertility benefit without naming IVF (2 cycles); part-time workers can qualify
- [Does American Airlines cover IVF?](https://ivfcost.co/companies-that-cover-ivf/american-airlines): names IVF as covered ($50,000 lifetime)
- [Does American Express cover IVF?](https://ivfcost.co/companies-that-cover-ivf/american-express): names IVF as covered ($25,000 lifetime, plus $20,000 for drugs)
- [Does Bank of America cover IVF?](https://ivfcost.co/companies-that-cover-ivf/bank-of-america): states a fertility benefit without naming IVF ($20,000 lifetime)
- [Does Baylor Scott & White Health cover IVF?](https://ivfcost.co/companies-that-cover-ivf/baylor-scott-white-health): states a fertility benefit without naming IVF; part-time workers can qualify
- [Does Best Buy cover IVF?](https://ivfcost.co/companies-that-cover-ivf/best-buy): states a fertility benefit without naming IVF ($10,000, plus $5,000 for drugs)
- [Does Block cover IVF?](https://ivfcost.co/companies-that-cover-ivf/block): states a fertility benefit without naming IVF
- [Does Boeing cover IVF?](https://ivfcost.co/companies-that-cover-ivf/boeing): names IVF as covered (2 cycles)
- [Does Brown University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/brown-university): names IVF as covered; part-time workers can qualify
- [Does Capital Group cover IVF?](https://ivfcost.co/companies-that-cover-ivf/capital-group): names IVF as covered
- [Does Caterpillar cover IVF?](https://ivfcost.co/companies-that-cover-ivf/caterpillar): names IVF as covered ($15,000 lifetime, plus $10,000 for drugs)
- [Does Charles Schwab cover IVF?](https://ivfcost.co/companies-that-cover-ivf/charles-schwab): names IVF as covered
- [Does Chevron cover IVF?](https://ivfcost.co/companies-that-cover-ivf/chevron): names IVF as covered ($60,000 lifetime)
- [Does Chewy cover IVF?](https://ivfcost.co/companies-that-cover-ivf/chewy): states a fertility benefit without naming IVF ($20,000 lifetime); part-time workers do not qualify
- [Does Chipotle cover IVF?](https://ivfcost.co/companies-that-cover-ivf/chipotle): states a fertility benefit without naming IVF
- [Does Chubb cover IVF?](https://ivfcost.co/companies-that-cover-ivf/chubb): states a fertility benefit without naming IVF (2 Smart Cycles); part-time workers can qualify
- [Does Cisco cover IVF?](https://ivfcost.co/companies-that-cover-ivf/cisco): states a fertility benefit without naming IVF ($50,000 lifetime)
- [Does Citi cover IVF?](https://ivfcost.co/companies-that-cover-ivf/citi): names IVF as covered ($24,000 lifetime, plus $7,500 for drugs); part-time workers can qualify
- [Does Cleveland Clinic cover IVF?](https://ivfcost.co/companies-that-cover-ivf/cleveland-clinic): names IVF as covered ($15,000 lifetime, plus $6,000 for drugs); part-time workers can qualify
- [Does Coca-Cola cover IVF?](https://ivfcost.co/companies-that-cover-ivf/coca-cola): names IVF as covered
- [Does Columbia University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/columbia-university): names IVF as covered ($30,000 lifetime, plus $30,000 for drugs)
- [Does ConocoPhillips cover IVF?](https://ivfcost.co/companies-that-cover-ivf/conocophillips): names IVF as covered ($20,000 lifetime, plus $10,000 for drugs); part-time workers can qualify
- [Does Costco cover IVF?](https://ivfcost.co/companies-that-cover-ivf/costco): names IVF as covered (3 cycles); part-time workers can qualify
- [Does Deloitte cover IVF?](https://ivfcost.co/companies-that-cover-ivf/deloitte): states a fertility benefit without naming IVF
- [Does Delta Air Lines cover IVF?](https://ivfcost.co/companies-that-cover-ivf/delta-air-lines): names IVF as covered
- [Does Disney cover IVF?](https://ivfcost.co/companies-that-cover-ivf/disney): states a fertility benefit without naming IVF ($75,000 lifetime)
- [Does Duke University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/duke-university): names IVF as covered ($25,000 lifetime); part-time workers can qualify
- [Does DuPont cover IVF?](https://ivfcost.co/companies-that-cover-ivf/dupont): names IVF as covered ($30,000 lifetime)
- [Does Eli Lilly cover IVF?](https://ivfcost.co/companies-that-cover-ivf/eli-lilly): states a fertility benefit without naming IVF
- [Does Emory University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/emory-university): names IVF as covered ($25,000 lifetime); part-time workers can qualify
- [Does ExxonMobil cover IVF?](https://ivfcost.co/companies-that-cover-ivf/exxonmobil): says IVF is not covered
- [Does EY cover IVF?](https://ivfcost.co/companies-that-cover-ivf/ey): names IVF as covered ($50,000 lifetime)
- [Does Fidelity Investments cover IVF?](https://ivfcost.co/companies-that-cover-ivf/fidelity-investments): names IVF as covered ($50,000 lifetime)
- [Does Ford cover IVF?](https://ivfcost.co/companies-that-cover-ivf/ford): states a fertility benefit without naming IVF (3 Smart Cycles)
- [Does General Motors cover IVF?](https://ivfcost.co/companies-that-cover-ivf/general-motors): names IVF as covered ($40,000 lifetime)
- [Does Goldman Sachs cover IVF?](https://ivfcost.co/companies-that-cover-ivf/goldman-sachs): states a fertility benefit without naming IVF ($50,000 lifetime); part-time workers can qualify
- [Does Harvard University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/harvard-university): names IVF as covered
- [Does HCA Healthcare cover IVF?](https://ivfcost.co/companies-that-cover-ivf/hca-healthcare): states a fertility benefit without naming IVF; part-time workers can qualify
- [Does Hilton cover IVF?](https://ivfcost.co/companies-that-cover-ivf/hilton): states a fertility benefit without naming IVF
- [Does Honeywell cover IVF?](https://ivfcost.co/companies-that-cover-ivf/honeywell): states a fertility benefit without naming IVF ($20,000 lifetime)
- [Does IBM cover IVF?](https://ivfcost.co/companies-that-cover-ivf/ibm): names IVF as covered
- [Does Intel cover IVF?](https://ivfcost.co/companies-that-cover-ivf/intel): states a fertility benefit without naming IVF ($40,000 lifetime)
- [Does John Deere cover IVF?](https://ivfcost.co/companies-that-cover-ivf/john-deere): states a fertility benefit without naming IVF ($20,000 lifetime, plus $10,000 for drugs)
- [Does Johns Hopkins University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/johns-hopkins-university): names IVF as covered ($100,000 lifetime); part-time workers can qualify
- [Does Johnson & Johnson cover IVF?](https://ivfcost.co/companies-that-cover-ivf/johnson-and-johnson): states a fertility benefit without naming IVF
- [Does JPMorgan Chase cover IVF?](https://ivfcost.co/companies-that-cover-ivf/jpmorgan-chase): names IVF as covered ($35,000 lifetime, plus $15,000 for drugs); part-time workers can qualify
- [Does Liberty Mutual cover IVF?](https://ivfcost.co/companies-that-cover-ivf/liberty-mutual): states a fertility benefit without naming IVF ($50,000, plus $25,000 for drugs)
- [Does Lockheed Martin cover IVF?](https://ivfcost.co/companies-that-cover-ivf/lockheed-martin): names IVF as covered
- [Does Lowe's cover IVF?](https://ivfcost.co/companies-that-cover-ivf/lowes): names IVF as covered (2 Maven Cycles); part-time workers can qualify
- [Does Marriott cover IVF?](https://ivfcost.co/companies-that-cover-ivf/marriott): states a fertility benefit without naming IVF
- [Does Mayo Clinic cover IVF?](https://ivfcost.co/companies-that-cover-ivf/mayo-clinic): names IVF as covered ($25,000 lifetime); part-time workers can qualify
- [Does Medtronic cover IVF?](https://ivfcost.co/companies-that-cover-ivf/medtronic): names IVF as covered (3 KindCycles)
- [Does Micron Technology cover IVF?](https://ivfcost.co/companies-that-cover-ivf/micron-technology): names IVF as covered ($45,000 lifetime); part-time workers can qualify
- [Does Microsoft cover IVF?](https://ivfcost.co/companies-that-cover-ivf/microsoft): names IVF as covered (2 Smart Cycles); part-time workers can qualify
- [Does MIT cover IVF?](https://ivfcost.co/companies-that-cover-ivf/mit): names IVF as covered; part-time workers can qualify
- [Does Morgan Stanley cover IVF?](https://ivfcost.co/companies-that-cover-ivf/morgan-stanley): names IVF as covered ($75,000 lifetime); part-time workers can qualify
- [Does New York University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/new-york-university): names IVF as covered (3 Smart Cycles); part-time workers can qualify
- [Does NewYork-Presbyterian cover IVF?](https://ivfcost.co/companies-that-cover-ivf/newyork-presbyterian): states a fertility benefit without naming IVF ($30,000 lifetime)
- [Does Northrop Grumman cover IVF?](https://ivfcost.co/companies-that-cover-ivf/northrop-grumman): names IVF as covered (1 Smart Cycle); part-time workers can qualify
- [Does Northwell Health cover IVF?](https://ivfcost.co/companies-that-cover-ivf/northwell-health): names IVF as covered ($45,000 lifetime, plus $16,000 for drugs); part-time workers can qualify
- [Does Northwestern Mutual cover IVF?](https://ivfcost.co/companies-that-cover-ivf/northwestern-mutual): names IVF as covered
- [Does Northwestern University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/northwestern-university): names IVF as covered (4 egg retrievals); part-time workers can qualify
- [Does NVIDIA cover IVF?](https://ivfcost.co/companies-that-cover-ivf/nvidia): names IVF as covered (No lifetime maximum); part-time workers can qualify
- [Does Oracle cover IVF?](https://ivfcost.co/companies-that-cover-ivf/oracle): states a fertility benefit without naming IVF (No lifetime maximum)
- [Does PepsiCo cover IVF?](https://ivfcost.co/companies-that-cover-ivf/pepsico): names IVF as covered ($35,000 lifetime)
- [Does Pfizer cover IVF?](https://ivfcost.co/companies-that-cover-ivf/pfizer): states a fertility benefit without naming IVF ($25,000 lifetime); part-time workers can qualify
- [Does PNC cover IVF?](https://ivfcost.co/companies-that-cover-ivf/pnc): states a fertility benefit without naming IVF
- [Does Princeton University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/princeton-university): names IVF as covered (4 cycles)
- [Does Progressive cover IVF?](https://ivfcost.co/companies-that-cover-ivf/progressive): states a fertility benefit without naming IVF ($10,000)
- [Does PwC cover IVF?](https://ivfcost.co/companies-that-cover-ivf/pwc): states a fertility benefit without naming IVF; part-time workers can qualify
- [Does Qualcomm cover IVF?](https://ivfcost.co/companies-that-cover-ivf/qualcomm): states a fertility benefit without naming IVF ($35,000 lifetime)
- [Does REI cover IVF?](https://ivfcost.co/companies-that-cover-ivf/rei): names IVF as covered (3 cycles); part-time workers can qualify
- [Does Salesforce cover IVF?](https://ivfcost.co/companies-that-cover-ivf/salesforce): names IVF as covered (3 Smart Cycles); part-time workers can qualify
- [Does Stanford University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/stanford-university): names IVF as covered (3 cycles); part-time workers can qualify
- [Does Starbucks cover IVF?](https://ivfcost.co/companies-that-cover-ivf/starbucks): names IVF as covered; part-time workers can qualify
- [Does State Farm cover IVF?](https://ivfcost.co/companies-that-cover-ivf/state-farm): names IVF as covered ($25,000 lifetime)
- [Does T-Mobile cover IVF?](https://ivfcost.co/companies-that-cover-ivf/t-mobile): names IVF as covered (3 Smart Cycles); part-time workers can qualify
- [Does Target cover IVF?](https://ivfcost.co/companies-that-cover-ivf/target): states a fertility benefit without naming IVF; part-time workers can qualify
- [Does Tesla cover IVF?](https://ivfcost.co/companies-that-cover-ivf/tesla): states a fertility benefit without naming IVF ($60,000 lifetime)
- [Does Texas Instruments cover IVF?](https://ivfcost.co/companies-that-cover-ivf/texas-instruments): states a fertility benefit without naming IVF; part-time workers can qualify
- [Does The Home Depot cover IVF?](https://ivfcost.co/companies-that-cover-ivf/home-depot): says IVF is not covered
- [Does Tractor Supply cover IVF?](https://ivfcost.co/companies-that-cover-ivf/tractor-supply): states a fertility benefit without naming IVF (1 cycle); part-time workers can qualify
- [Does Truist cover IVF?](https://ivfcost.co/companies-that-cover-ivf/truist): names IVF as covered (2 Smart Cycles); part-time workers can qualify
- [Does Ulta Beauty cover IVF?](https://ivfcost.co/companies-that-cover-ivf/ulta-beauty): states a fertility benefit without naming IVF; part-time workers do not qualify
- [Does UnitedHealth Group cover IVF?](https://ivfcost.co/companies-that-cover-ivf/unitedhealth-group): names IVF as covered ($25,000 lifetime, plus $10,000 for drugs)
- [Does University of California cover IVF?](https://ivfcost.co/companies-that-cover-ivf/university-of-california): names IVF as covered (2 cycles); part-time workers can qualify
- [Does University of Michigan cover IVF?](https://ivfcost.co/companies-that-cover-ivf/university-of-michigan): names IVF as covered ($20,000 lifetime)
- [Does University of Pennsylvania cover IVF?](https://ivfcost.co/companies-that-cover-ivf/university-of-pennsylvania): names IVF as covered ($30,000 lifetime)
- [Does University of Washington cover IVF?](https://ivfcost.co/companies-that-cover-ivf/university-of-washington): says IVF is not covered
- [Does Vanderbilt University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/vanderbilt-university): names IVF as covered ($10,000 lifetime, plus $10,000 for drugs); part-time workers can qualify
- [Does Verizon cover IVF?](https://ivfcost.co/companies-that-cover-ivf/verizon): names IVF as covered ($75,000 lifetime); part-time workers can qualify
- [Does Walmart cover IVF?](https://ivfcost.co/companies-that-cover-ivf/walmart): names IVF as covered ($20,000 lifetime); part-time workers can qualify
- [Does Washington University in St. Louis cover IVF?](https://ivfcost.co/companies-that-cover-ivf/washington-university-in-st-louis): states a fertility benefit without naming IVF ($30,000 lifetime, plus $15,000 for drugs); part-time workers can qualify
- [Does Wells Fargo cover IVF?](https://ivfcost.co/companies-that-cover-ivf/wells-fargo): names IVF as covered ($25,000 lifetime, plus $10,000 for drugs); part-time workers can qualify
- [Does Yale University cover IVF?](https://ivfcost.co/companies-that-cover-ivf/yale-university): names IVF as covered (3 Smart Cycles); part-time workers can qualify

## IVF grants: one page per program
Each page gives one US fertility grant program's posted application rounds and whether it takes applications on the day the page is read, its award, application fee, who can apply, where applicants must live, what it pays for and its main catch, read on the program's own site.
- [Baby Quest Foundation](https://ivfcost.co/ivf-grants/baby-quest-foundation): Opens January 2, 2027, deadline March 4, 2027; award: not published; fee: $75 non-refundable
- [Tinina Q. Cade Foundation Family Building Grant](https://ivfcost.co/ivf-grants/tinina-q-cade-foundation): Open now, closes February 1, 2027; award: Up to $10,000 per funded family, as money paid to the clinic or agency or as donated fertility medication. Shady Grove Fertility patients are also considered for the Savannah Grant, up to $10,000.; fee: $50 non-refundable (hardship waivers considered case by case)
- [Gift of Parenthood](https://ivfcost.co/ivf-grants/gift-of-parenthood): Open now, closes December 30, 2026; award: Typically $5,000 to $20,000 per award, with up to $20,000 awarded in total each quarterly cycle; fee: $75 non-refundable per application; a prepaid four-cycle pass and fundraiser-based fee waivers are offered
- [Journey to Parenthood grant](https://ivfcost.co/ivf-grants/journey-to-parenthood): Closed October 17, 2026; next round not posted; award: Typically $2,000 to $10,000, with a goal of at least one $10,000 grant a year; usually 1 to 4 grants a year; fee: $50 non-refundable
- [Footsteps for Fertility Foundation grants](https://ivfcost.co/ivf-grants/footsteps-for-fertility): No set dates; award: Typically $5,000 in money when funding allows (less if the treatment costs less), or a basic IVF cycle donated by a partner clinic; fee: $30 per event application plus $35 event registration per person; $100 per couple for the national application
- [Parental Hope Family Grant](https://ivfcost.co/ivf-grants/parental-hope): Opens in March 2027; award: The full cost of one standard IVF cycle or one frozen embryo transfer at the Institute for Reproductive Health in Cincinnati; the embryo adoption grant pays up to $5,000; fee: $50 non-refundable
- [Hope for Fertility National Grant](https://ivfcost.co/ivf-grants/hope-for-fertility): Opens January 1, 2027, deadline March 31, 2027; award: Typically $250 to $10,000, depending on money raised that year and the treatment; fee: $50 non-refundable
- [Hopeful Mama Grant](https://ivfcost.co/ivf-grants/hopeful-mama): Opens April 1, 2027, deadline May 9, 2027; award: For the 2026 cycle, $500 to $30,000, as partial or full grants set by need; fee: none published
- [Operation Baby Foundation grant](https://ivfcost.co/ivf-grants/operation-baby): Closed March 26, 2026; next round not posted; award: Up to $5,000 per applicant, paid directly to the clinic or servicing agency and not renewable; fee: $30 non-refundable
- [SAMFund Family Building Grant (Expect Miracles Foundation)](https://ivfcost.co/ivf-grants/samfund-family-building): Opens in March 2027; award: Up to $5,000 can be requested; the average family building grant is $3,000, and about half of applicants are funded; fee: none published
- [Filotimo Foundation family building grant](https://ivfcost.co/ivf-grants/filotimo-foundation): Open now, closes February 15, 2027; award: not published; fee: none published
- [Men Having Babies Gay Parenting Assistance Program (GPAP)](https://ivfcost.co/ivf-grants/men-having-babies-gpap): Takes applications year-round; award: Provider discounts for everyone approved, and for Stage II recipients chosen each year, free services from partner clinics, agencies and law firms plus small cash grants; no amounts are published; fee: No application fee, but applicants must be supporting members of Men Having Babies (an annual donation)
- [The Surrogacy Foundation National Grant](https://ivfcost.co/ivf-grants/surrogacy-foundation): Closed September 30, 2026; next round not posted; award: $100,000 placed in escrow for base surrogacy expenses, plus access to pro bono professionals; fee: none published
- [Starfish Infertility Foundation Leighton Grant](https://ivfcost.co/ivf-grants/starfish-leighton-grant): Open now, closes November 30, 2026; award: not published; fee: $50 non-refundable
- [Chicago Coalition for Family Building grants](https://ivfcost.co/ivf-grants/chicago-coalition-family-building): Opens in November 2026, deadline December 31, 2026; award: Financial grants up to $10,000, or a donated IVF cycle at a partner practice; fee: $35 non-refundable
- [Fertility Foundation of Texas grant](https://ivfcost.co/ivf-grants/fertility-foundation-of-texas): Open now, closes December 31, 2026; award: One-time grant of up to $10,000, set by treatment plan, need and available funds; fee: none published
- [Giving Grace Foundation grant](https://ivfcost.co/ivf-grants/giving-grace-foundation): Open now, closes December 31, 2026; award: Partial grants of $500 to $1,500; fee: none published
- [Nest Egg Foundation IVF grant](https://ivfcost.co/ivf-grants/nest-egg-foundation): Closed April 12, 2026; next round not posted; award: $5,000 to $20,000, depending on the treatment needed; fee: $50 non-refundable
- [BIVF Foundation Financial Assistance Grant](https://ivfcost.co/ivf-grants/bivf-foundation): Closed March 10, 2025; next round not posted; award: Up to $10,000 in cash support; separate IVF cycle grants cover the procedure services of a cycle; fee: $25
- [Stardust Fertility Foundation grant](https://ivfcost.co/ivf-grants/stardust-fertility-foundation): Open now, closes December 31, 2026; award: Between $1,000 and $15,000, paid directly to the clinic; fee: none published
- [Jewish Fertility Foundation grants](https://ivfcost.co/ivf-grants/jewish-fertility-foundation): Takes applications year-round; award: IVF grants generally $1,000 to $10,000; IUI grants $1,000; frozen embryo transfer grants $2,500; fee: none published
- [Aneden Gives fertility grant](https://ivfcost.co/ivf-grants/aneden-gives): Closed May 31, 2026; next round not posted; award: $5,000 to $7,500 per grant, paid only to the clinic; fee: none published
- [Samantha's Gift of Hope](https://ivfcost.co/ivf-grants/samanthas-gift-of-hope): No set dates; award: Fully funds Pinnacle Fertility's IVF 100% Success Guaranteed Plan for the chosen couple; no dollar amount is published; fee: none published

## Fertility medications side by side
Each page sets two fertility drugs that do the same job in a cycle (or one that can take over the other's job) next to each other: what each does, how it is given, every posted cash price per unit and the savings programs, and the CMS acquisition cost; it ranks them on price only when their units match.
- [Clomid vs Letrozole](https://ivfcost.co/medications/compare/clomid-vs-letrozole): Both are tablets taken as a short course early in the cycle to bring on ovulation, for timed intercourse or an IUI. Clomid (clomiphene) is the longest-established oral fertility drug; letrozole, a breast-cancer drug used off-label, is often preferred for ovulation induction in PCOS.
- [Follistim vs Gonal-f](https://ivfcost.co/medications/compare/follistim-vs-gonal-f): Both are recombinant FSH injected daily during IVF or egg-freezing stimulation: Gonal-f (follitropin alfa) from EMD Serono, Follistim (follitropin beta) from Organon. They do the same job; which one a clinic prescribes is largely protocol, pharmacy and insurance preference.
- [Gonal-f vs Menopur](https://ivfcost.co/medications/compare/gonal-f-vs-menopur): Both are daily stimulation injections, but not the same hormone: Gonal-f is recombinant FSH, while Menopur is a urinary preparation carrying both FSH and LH activity. Menopur is usually added to a recombinant FSH such as Gonal-f rather than used alone.
- [Follistim vs Menopur](https://ivfcost.co/medications/compare/follistim-vs-menopur): Both are daily stimulation injections, but not the same hormone: Follistim is recombinant FSH, while Menopur is a urinary preparation carrying both FSH and LH activity. Menopur is usually added to a recombinant FSH such as Follistim rather than used alone.
- [Cetrotide vs Ganirelix](https://ivfcost.co/medications/compare/cetrotide-vs-ganirelix): Both are GnRH antagonists that stop the body's own LH surge so the eggs are not released before the retrieval, started partway through stimulation and injected daily until the trigger. Which of the two a clinic uses is largely protocol and supply preference.
- [Cetrotide vs Lupron](https://ivfcost.co/medications/compare/cetrotide-vs-lupron): Both keep ovulation from happening too early, in different protocols: Cetrotide is a GnRH antagonist started partway through stimulation, while Lupron is a GnRH agonist that, in a long agonist protocol, suppresses the body's hormone signalling before stimulation begins.
- [Ganirelix vs Lupron](https://ivfcost.co/medications/compare/ganirelix-vs-lupron): Both keep ovulation from happening too early, in different protocols: ganirelix is a GnRH antagonist started partway through stimulation, while Lupron is a GnRH agonist that, in a long agonist protocol, suppresses the body's hormone signalling before stimulation begins.
- [hCG vs Ovidrel](https://ivfcost.co/medications/compare/hcg-vs-ovidrel): Both are the trigger shot that finishes egg maturation before the retrieval: Ovidrel is recombinant hCG in a prefilled syringe, while Novarel, Pregnyl and generic hCG are purified from urine and mixed from powder before the injection.
- [hCG vs Lupron](https://ivfcost.co/medications/compare/hcg-vs-lupron): Either can be the trigger shot: hCG (Novarel, Pregnyl or generic) is the standard one, and in antagonist cycles a single dose of Lupron is sometimes used instead, an approach associated with a lower risk of ovarian hyperstimulation.
- [Lupron vs Ovidrel](https://ivfcost.co/medications/compare/lupron-vs-ovidrel): Either can be the trigger shot: Ovidrel is recombinant hCG in a prefilled syringe, and in antagonist cycles a single dose of Lupron is sometimes used instead of hCG, an approach associated with a lower risk of ovarian hyperstimulation.

## Fertility benefit companies: one page per company
Each page quotes what one fertility benefit company says on its own pages about how its benefit works (read 2026-10-23), and lists the large US employers whose own benefit pages name it, each with the limit it states.
- [Progyny: how it works and which companies use it](https://ivfcost.co/fertility-benefits/progyny): Counts the benefit in Smart Cycles (an IVF cycle uses 3/4 of one); your employer sets how many you get. Employers we checked that name it: Abbott, Block, Chubb, Coca-Cola, Delta Air Lines, Eli Lilly, Ford, HCA Healthcare, Hilton, IBM, Marriott, Microsoft, New York University, Northrop Grumman, PNC, Salesforce, T-Mobile, Target, Truist, Yale University.
- [Carrot: how it works and which companies use it](https://ivfcost.co/fertility-benefits/carrot): A dollar amount, a number of treatment rounds, or both, as your employer chooses; paid with the Carrot Card. Employers we checked that name it: Cisco, DuPont, General Motors, State Farm, University of Pennsylvania.
- [WINFertility: how it works and which companies use it](https://ivfcost.co/fertility-benefits/winfertility): No single unit: each employer sets a dollar or cycle limit, and you enroll with a WIN nurse first. Employers we checked that name it: Accenture, Boeing, Chevron, Chewy, Disney, EY, JPMorgan Chase, NVIDIA, Tractor Supply, University of California.
- [Maven: how it works and which companies use it](https://ivfcost.co/fertility-benefits/maven): Employer funds in Maven Wallet (Green reimburses, Gold pays clinics directly) or a managed benefit by cycles. Employers we checked that name it: Amazon, ConocoPhillips, Harvard University, John Deere, Lowe's, Morgan Stanley, PwC, UnitedHealth Group.
- [Kindbody: how it works and which companies use it](https://ivfcost.co/fertility-benefits/kindbody): Each employer sets cycles or dollars (3 cycles at Medtronic, $60,000 at Tesla); Kindbody or partner clinics. Employers we checked that name it: Medtronic, Northwestern Mutual, Princeton University, Tesla, Walmart.

## IUI cost by metro area
Each page lists what every fertility clinic in one US Census metropolitan area posts for IUI (intrauterine insemination) on its own website (read Oct 8, 2026), with what each price includes (monitoring, medications, sperm wash) and what costs extra, never averaged or ranked by price; what a posted price can leave out; each state's insurance law; and the grants that accept the area's residents for IUI.
- [IUI cost in Atlanta, GA](https://ivfcost.co/iui/atlanta-ga): 2 of 7 clinics post a price
- [IUI cost in Austin, TX](https://ivfcost.co/iui/austin-tx): 2 of 6 clinics post a price
- [IUI cost in Boston, MA](https://ivfcost.co/iui/boston-ma): 1 of 6 clinics posts a price
- [IUI cost in Charlotte, NC](https://ivfcost.co/iui/charlotte-nc): 1 of 3 clinics posts a price
- [IUI cost in Chicago, IL](https://ivfcost.co/iui/chicago-il): 5 of 19 clinics post a price
- [IUI cost in Dallas-Fort Worth, TX](https://ivfcost.co/iui/dallas-fort-worth-tx): 4 of 16 clinics post a price
- [IUI cost in Denver, CO](https://ivfcost.co/iui/denver-co): 4 of 6 clinics post a price
- [IUI cost in Detroit, MI](https://ivfcost.co/iui/detroit-mi): 2 of 6 clinics post a price
- [IUI cost in Houston, TX](https://ivfcost.co/iui/houston-tx): 3 of 10 clinics post a price
- [IUI cost in Jacksonville, FL](https://ivfcost.co/iui/jacksonville-fl): 1 of 4 clinics posts a price
- [IUI cost in Las Vegas, NV](https://ivfcost.co/iui/las-vegas-nv): 1 of 5 clinics posts a price
- [IUI cost in Los Angeles and Orange County](https://ivfcost.co/iui/los-angeles-ca): 8 of 44 clinics post a price
- [IUI cost in Miami and South Florida](https://ivfcost.co/iui/miami-fl): 1 of 8 clinics posts a price
- [IUI cost in Minneapolis-St. Paul, MN](https://ivfcost.co/iui/minneapolis-st-paul-mn): 2 of 4 clinics post a price
- [IUI cost in New York City](https://ivfcost.co/iui/new-york-city-ny): 11 of 47 clinics post a price
- [IUI cost in Orlando, FL](https://ivfcost.co/iui/orlando-fl): 1 of 5 clinics posts a price
- [IUI cost in Philadelphia, PA](https://ivfcost.co/iui/philadelphia-pa): 3 of 10 clinics post a price
- [IUI cost in Phoenix, AZ](https://ivfcost.co/iui/phoenix-az): 2 of 8 clinics post a price
- [IUI cost in Portland, OR](https://ivfcost.co/iui/portland-or): 2 of 4 clinics post a price
- [IUI cost in Provo, UT](https://ivfcost.co/iui/provo-ut): 2 of 2 clinics post a price
- [IUI cost in Raleigh, NC](https://ivfcost.co/iui/raleigh-nc): 1 of 4 clinics posts a price
- [IUI cost in Sacramento, CA](https://ivfcost.co/iui/sacramento-ca): 1 of 3 clinics posts a price
- [IUI cost in San Antonio, TX](https://ivfcost.co/iui/san-antonio-tx): 2 of 5 clinics post a price
- [IUI cost in San Diego, CA](https://ivfcost.co/iui/san-diego-ca): 1 of 8 clinics posts a price
- [IUI cost in San Francisco, CA](https://ivfcost.co/iui/san-francisco-ca): 6 of 14 clinics post a price
- [IUI cost in San Jose and Silicon Valley](https://ivfcost.co/iui/san-jose-ca): 3 of 7 clinics post a price
- [IUI cost in Seattle, WA](https://ivfcost.co/iui/seattle-wa): 5 of 8 clinics post a price
- [IUI cost in Spokane, WA](https://ivfcost.co/iui/spokane-wa): 1 of 2 clinics posts a price
- [IUI cost in St. Louis, MO](https://ivfcost.co/iui/st-louis-mo): 2 of 7 clinics post a price
- [IUI cost in Stamford and Bridgeport, CT](https://ivfcost.co/iui/stamford-bridgeport-ct): 1 of 5 clinics posts a price
- [IUI cost in Syracuse, NY](https://ivfcost.co/iui/syracuse-ny): 1 of 2 clinics posts a price
- [IUI cost in Tampa, FL](https://ivfcost.co/iui/tampa-fl): 1 of 3 clinics posts a price
- [IUI cost in Tucson, AZ](https://ivfcost.co/iui/tucson-az): 2 of 2 clinics post a price
- [IUI cost in Virginia Beach-Norfolk, VA](https://ivfcost.co/iui/virginia-beach-norfolk-va): 1 of 3 clinics posts a price
- [IUI cost in Washington, DC](https://ivfcost.co/iui/washington-dc): 3 of 10 clinics post a price