How much does PGT testing cost?
Preimplantation genetic testing (PGT) checks IVF embryos for chromosome problems or an inherited condition before transfer. Here is what 60 US fertility clinics post for it on their own websites, piece by piece, each price beside what it covers.
- Prices read ยท checked 24 h ago
At the 17 US clinics that post one price for testing a cycle's embryos, PGT costs $1,800 to $6,000; a price that names a number of embryos covers 5 to 15 of them, with more charged per embryo. Where the clinic and the genetics lab bill separately, the clinic's biopsy fee runs $1,200 to $4,000 and the lab charges $195 to $375 per embryo tested. Clinics that post an IVF package both with and without PGT charge $970 to $6,000 more for the version with it (17 clinics). Many insurance plans do not cover it; California and Illinois now require some plans to.
What you pay for, piece by piece
PGT is done by two parties: your clinic's embryology lab takes the biopsy and freezes the embryos, and a genetics lab runs the test. That is why prices are posted in pieces, and why two clinics' numbers often cover different things.
An embryologist removes a few cells from each embryo, usually at the blastocyst stage, and the embryos are frozen while the results come back (ACOG). Clinics that post a separate biopsy fee charge $1,200 to $4,000 per cycle (14 clinics), sometimes with an extra fee per embryo past a set number.
The lab tests the cells: for the number of chromosomes (PGT-A), a specific inherited condition (PGT-M) or a parent's chromosome rearrangement (PGT-SR) (HFEA). Where clinics post the lab's own fee, PGT-A runs $195 to $375 per embryo, often plus shipping.
Tested embryos are now usually frozen and transferred in a later cycle (HFEA), so PGT brings a frozen embryo transfer of about $3,000 to $6,900 and embryo freezing and storage, unless the clinic's package includes them.
Testing for one inherited condition needs a test built for your family first, usually a one-time case preparation or probe fee on top of the per-embryo test. What clinics post for PGT-M.
What each clinic posts for PGT
Read on Oct 9, 2026 on each clinic's own website: 60 clinics post a PGT price, covering 82 clinic locations. Amounts are never averaged or ranked, because one price is the biopsy alone, another the lab's fee per embryo, another testing for up to five embryos.
PGT cost in Alaska (1 clinic posts a price)
- Katie Ostrom MD, LLCHomer
- PGT biopsy of embryos: $2,000 for up to 5 embryos
- PGT biopsy of embryos: $2,500 for 6 or more embryos
- Genetic testing of the biopsies: $200 to $375 per embryopaid to the outside lab
- IVF with ICSI and PGT: $13,000 for up to 5 embryos (without PGT: $11,000)covers the biopsy; the lab bills the test
PGT cost in Arizona (2 clinics post a price)
PGT cost in California (18 clinics post a price)
- Alex Steinleitner, MD, Inc.San Luis Obispo
- PGT: $400 per embryotesting, through the clinic's genetics lab arrangement
- Bay IVF CenterPalo Alto
- Gender selection, added to IVF: $5,400includes embryo biopsy and freezing
- CARE FertilityGlendale
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- HRC Fertility-PasadenaPasadena
- Own-egg IVF package: $34,000covers the biopsy and the lab test; also includes assisted hatching (from its site for international patients)
- Life IVF CenterIrvine
- Biopsy and testing: $1,000 per embryocovers the biopsy and the lab test
- Precision Embryo Freezing package: $8,950 for up to 4 embryos, then $1,000 per extra embryocovers the biopsy and the lab test
- Biopsy and testing: $850 per embryocovers the biopsy and the lab test; for embryos made from eggs frozen earlier
- Newport Fertility CenterNewport Beach
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- Genetic testing of embryos: $3,000 to $4,500plus a $3,000 collection fee, from its example cost table
- Pacific Fertility CenterSan Francisco
- IVF with PGT: From $22,250 (without PGT: from $18,000)includes embryo biopsy, freezing and a year of storage; medications not included
- Pacific Fertility Center-Los AngelesLos Angeles
- PGS/PGT-A: $6,000 for up to 5 embryos, then $300 per extra embryostated in the clinic's own post on PGT-A cost
- Reproductive Sciences Medical CenterSan Diego
- PGT-A (PGS): $5,000 for up to 15 embryos, then $250 per extra embryobase fee from RSMC's fee guide on its site for international patients
- San Diego Fertility CenterSan Diego
- Embryo genetic testing (PGT): From $3,000from its example cost table
- Spring Fertility-East BayOakland
- Embryo freezing with genetic testing: $25,880the clinic's estimate; California cash-pay price
- Spring Fertility-San FranciscoSan Francisco
- Embryo freezing with genetic testing: $25,880the clinic's estimate; California cash-pay price
- Spring Fertility-Silicon ValleySunnyvale
- Embryo freezing with genetic testing: $25,880the clinic's estimate; California cash-pay price
- PGD, PGT or PGS embryo testing: From $3,900on its gender selection page
- UCSF Center for Reproductive HealthSan Francisco
- PGT: $2,000the clinic's estimate; from UCSF's IVF cost table
- West Coast Fertility CenterFountain Valley
- PGT-A: $700 per embryo
PGT cost in Colorado (4 clinics post a price)
- CNY Fertility ColoradoColorado Springs
- PGT: From $3,899its typical total, depending on the number of embryos tested
- PGT-A for gender selection: $2,000 to $3,000from its gender selection cost table
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- PGT biopsy of embryos: $1,200paid to the clinic
- PGT-A analysis (Progenesis laboratory): $1,500 for up to 8 embryospaid directly to the genetic lab
- PGT-M or PGT-SR analysis: $2,500 to $6,500paid directly to the genetic lab
- Biopsy and freezing of each embryo beyond 8: $100 per embryo
- Rocky Mountain Fertility CenterEnglewood
- PGT: $4,500 for up to 6 embryosthe same price in Illinois and Colorado
PGT cost in Delaware (1 clinic posts a price)
- RADfertilityNewark
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
PGT cost in Florida (6 clinics post a price)
- Assisted Fertility ProgramJacksonville
- Center for Reproductive Medicine, PAWinter Park
- IVF with PGT: $15,000 to $19,000 (without PGT: $12,500 to $17,000)includes embryo biopsy, freezing and a year of storage
- Florida Institute for Reproductive MedicineJacksonville
- Embryo biopsy for PGS: $3,000from its 2025 price list
- PGS admin fee: $800from its 2025 price list
- PGT lab fees: $2,500 to $5,500the clinic's estimate; paid to the outside lab
- The IVF CenterWinter Park
- Embryo biopsy for PGT: $2,000 for up to 8 embryos, then $250 per extra embryoits August 2026 fee schedule
- PGT lab testing: About $200 per embryobilled by the testing lab, plus shipping
- Frozen (deferred) transfer add-on: $1,500required when embryos are tested
- IVF with PGT: $15,000 to $19,000 (without PGT: $13,500 to $19,975)includes embryo biopsy, freezing and a year of storage
PGT cost in Georgia (2 clinics post a price)
- IVF freeze-all cycle with biopsy and PGT-A: $16,488 (without PGT: $12,588)the clinic's estimate
- IVF with PGT: From $16,900 (without PGT: from $14,300)self-pay; includes embryo biopsy, freezing and a year of storage
PGT cost in Idaho (1 clinic posts a price)
- IVF PGT testing: About $1,800its fee table, current as of January 2026
- IVF cycle with PGT-A testing and freeze-all: From $11,700includes biopsy, shipping, freezing and a year of storage; monitoring is billed separately
PGT cost in Illinois (2 clinics post a price)
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
PGT cost in Indiana (1 clinic posts a price)
- Indiana Fertility InstituteIndianapolis
- IVF with PGT: $19,500 to $21,000 (without PGT: $16,000 to $18,000)includes embryo biopsy, freezing and a year of storage
PGT cost in Iowa (1 clinic posts a price)
- PGT-A testing: Up to $1,900depends on how many embryos are tested
PGT cost in Massachusetts (3 clinics post a price)
- CCRM BostonNewton
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- IVF Select package: $24,500covers the biopsy and the lab test; also includes one frozen embryo transfer
- Fertility Solutions, PCDedham
- IVF Select package: $24,500covers the biopsy and the lab test; also includes one frozen embryo transfer
PGT cost in Minnesota (3 clinics post a price)
- CCRM MinneapolisEdina
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- Embryo biopsy: $2,6002026 fee; the lab bills PGT-A or PGT-M testing separately
- Embryo biopsy: $2,985includes a $1,385 non-refundable set-up fee
PGT cost in Nevada (1 clinic posts a price)
- Nevada Fertility CenterLas Vegas
- Embryo genetic testing: From $2,000the clinic's fee; the lab's testing fee is extra
PGT cost in New Jersey (4 clinics post a price)
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- IVF with PGT: From $16,950 (without PGT: from $14,400)includes embryo biopsy
PGT cost in New York (6 clinics post a price)
- CCRM New YorkNew York
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- CNY Fertility CenterSyracuse
- PGT: From $3,899its typical total, depending on the number of embryos tested
- PGT-A for gender selection: $2,000 to $3,000from its gender selection cost table
- Extend FertilityNew York
- Biopsy for PGS/PGD: $300 per embryofor 1 to 20 embryos
- Genetics lab fee: About $225 per embryo
- New Hope Fertility CenterNew York
- Genetic testing: $900 per embryoadd-on in its IVF cost calculator
- IVF with PGT: $15,450 to $18,700 (without PGT: $14,050)covers the biopsy; the lab bills the test
- PGT lab fees: From $2,300
- Single freeze-all cycle with biopsy: $16,500 (without PGT: $14,600)
PGT cost in North Carolina (1 clinic posts a price)
- PGT biopsy fee: $1,975the clinic's estimate; from its October 2026 ballpark price list
- PGT-M case preparation fee: $1,565 one-time feethe clinic's estimate
- PGT-A analysis: $265 per embryothe clinic's estimate
- PGT-M analysis: $390 per embryothe clinic's estimate; includes PGT-A
- PGT-SR analysis: $365 per embryothe clinic's estimate; includes PGT-A
PGT cost in Pennsylvania (2 clinics post a price)
- IVF with PGT: From $17,300 (without PGT: from $14,300)includes embryo biopsy
- Society Hill Reproductive MedicinePhiladelphia
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
PGT cost in Tennessee (2 clinics post a price)
- Tennessee Fertility InstituteFranklin
- IVF with PGT: From $20,500 (without PGT: from $14,500)includes ICSI, embryo biopsy, freezing and a year of storage
- Tennessee Reproductive MedicineChattanooga
PGT cost in Texas (8 clinics post a price)
- Aspire Fertility-AustinAustin
- IVF with PGT: From $20,500 (without PGT: from $16,500)Austin price; includes embryo biopsy, freezing and a year of storage
- Aspire Fertility-DallasAddison
- IVF with PGT: From $17,950 (without PGT: from $14,250)Dallas price; includes embryo biopsy, freezing and a year of storage
- Aspire Fertility-San AntonioSan Antonio
- IVF with PGT: From $15,760 (without PGT: from $11,760)San Antonio price; includes embryo biopsy, freezing and a year of storage
- CCRM Dallas-Fort WorthFrisco
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- Houston Fertility InstituteHouston
- IVF with PGT: From $17,950 (without PGT: from $13,125)includes embryo biopsy, freezing and a year of storage
- IVF with PGT: $14,100includes a frozen embryo transfer; its PGT page shows $13,400
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- Pozitivf FertilitySan Antonio
- IVF Essential + PGT-A Testing: $12,995 (without PGT: $6,995)medications not included; first embryo transfer included
- IVF Plus + PGT-A Testing: $16,995 (without PGT: $10,995)medications and the first embryo transfer included
- PGT-M package: $24,995IVF with PGT-M and PGT-A testing of every viable embryo, medications and the first transfer
PGT cost in Utah (1 clinic posts a price)
- PGT: $2,875the clinic's fee; the lab's testing fee is extra
- Lab testing by the outside laboratory: $125 to $5,000
- Shipping to the outside laboratory: $250
PGT cost in Virginia (5 clinics post a price)
- CCRM Northern VirginiaVienna
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- Dominion FertilityArlington
- IVF, FET and PGT-A package: $11,630 for up to 4 embryos (without PGT: $10,660)covers the biopsy and the lab test; a limited-time all-inclusive offer at its Arlington, Virginia location
- The New Hope Center for Reproductive MedicineVirginia Beach
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- Virginia Fertility & IVFCharlottesville
- Washington Fertility CenterAnnandale
- Embryo biopsy and PGT-A: $2,900covers the biopsy and the lab test; listed with its single IVF cycle for patients without fertility insurance
- Embryo biopsy: $1,900in its limited-time Affordable IVF Program
- PGT-A testing: $985 for up to 6 embryos, then $150 per extra embryoin its limited-time Affordable IVF Program, beside the biopsy fee
PGT cost in Washington (5 clinics post a price)
- IVF freeze-all cycle with biopsy and PGT-A: $11,430 to $23,950 (without PGT: $8,250 to $19,615)covers the biopsy and the lab test; CCRM's network-wide estimate
- PGT-A testing: $3,625 to $5,000from its example cost table
- Poma FertilityKirkland
- IVF freeze-all with embryo biopsy: $15,650 (without PGT: $13,400)covers the biopsy; the lab bills the test
- SRM SpokaneSpokane Valley
- IVF freeze-all with PGT-A: $14,250 (without PGT: $11,000)a limited-time offer at its Spokane location
- Think FertilityBellevue
PGT cost in Wisconsin (2 clinics post a price)
- Aurora Health Care-Aurora Fertility Services, The Women's Center at Aurora BayCare Medical CenterGreen Bay
- IVF package with embryo biopsy: $13,500 to $13,800 (without PGT: $12,500)self-pay package price
- IVF package with embryo biopsy: $13,500 to $13,800 (without PGT: $12,500)self-pay package price
A price counts only when the clinic's own website states it as its price. A general figure such as "PGT-A typically costs $3,000 to $6,000" does not, nor does a row that says only "genetic testing" (it could be carrier screening), nor an old price list the site no longer links. A clinic missing here may still offer PGT; ask it for a written quote that names the number of embryos covered.
IVF packages with and without PGT
Clinics that post the same IVF package both ways, as each labels and prices them. The difference is the clinic's own two prices; some PGT packages include only the biopsy, with the genetics lab's fee billed on top, and most freeze every embryo instead of a fresh transfer.
- Advanced Fertility Center of ChicagoGurnee, IL; IVF with PGT, with monitoringWith PGT$18,000Without PGT$15,000+$3,000
- Aspire FertilitySan Antonio, TX; IVF with PGTWith PGTFrom $15,760Without PGTFrom $11,760+$4,000
- Aspire FertilityAddison, TX; IVF with PGTWith PGTFrom $17,950Without PGTFrom $14,250+$3,700
- Aspire FertilityAustin, TX; IVF with PGTWith PGTFrom $20,500Without PGTFrom $16,500+$4,000
- Aspire Fertility HoustonHouston, TX; IVF with PGTWith PGTFrom $17,950Without PGTFrom $13,125+$4,825
- Assisted Fertility ProgramJacksonville, FL; IVF with PGTWith PGT$10,000Without PGT$5,500+$4,500
- Atlanta Center for Reproductive MedicineAtlanta, GA; IVF freeze-all cycle with biopsy and PGT-AWith PGT$16,488Without PGT$12,588+$3,900
- Aurora Fertility ServicesIVF package with embryo biopsyWith PGT$13,500 to $13,800Without PGT$12,500a range, not subtracted
- CCRM FertilityIVF freeze-all cycle with biopsy and PGT-A; CCRM's network-wide estimateWith PGT$11,430 to $23,950Without PGT$8,250 to $19,615a range, not subtracted
- Center for Reproductive Medicine (Orlando)Winter Park, FL; IVF with PGTWith PGT$15,000 to $19,000Without PGT$12,500 to $17,000a range, not subtracted
- Indiana Fertility InstituteIndianapolis, IN; IVF with PGTWith PGT$19,500 to $21,000Without PGT$16,000 to $18,000a range, not subtracted
- Katie Ostrom MDHomer, AK; IVF with ICSI and PGTWith PGT$13,000Without PGT$11,000+$2,000
- Main Line FertilityBryn Mawr, PA; IVF with PGTWith PGTFrom $17,300Without PGTFrom $14,300+$3,000
- New Direction Fertility CentersGilbert, AZ; IVF and PGT-AWith PGT$9,700Without PGT$6,500+$3,200
- Pacific Fertility CenterSan Francisco, CA; IVF with PGTWith PGTFrom $22,250Without PGTFrom $18,000+$4,250
- Pinnacle FertilityArlington, VA; IVF, FET and PGT-A packageWith PGT$11,630Without PGT$10,660+$970
- Pinnacle FertilitySpokane Valley, WA; IVF freeze-all with PGT-AWith PGT$14,250Without PGT$11,000+$3,250
- Poma FertilityKirkland, WA; IVF freeze-all with embryo biopsyWith PGT$15,650Without PGT$13,400+$2,250
- Pozitivf FertilitySan Antonio, TX; IVF Essential + PGT-A TestingWith PGT$12,995Without PGT$6,995+$6,000
- Pozitivf FertilitySan Antonio, TX; IVF Plus + PGT-A TestingWith PGT$16,995Without PGT$10,995+$6,000
- Reproductive Biology AssociatesAtlanta, GA; IVF with PGTWith PGTFrom $16,900Without PGTFrom $14,300+$2,600
- Reproductive Science Center of New JerseyEatontown, NJ; IVF with PGTWith PGTFrom $16,950Without PGTFrom $14,400+$2,550
- Reproductive Specialists of New YorkMineola, NY; IVF with PGTWith PGT$15,450 to $18,700Without PGT$14,050a range, not subtracted
- Sher Fertility SolutionsNew York, NY; Single freeze-all cycle with biopsyWith PGT$16,500Without PGT$14,600+$1,900
- Tennessee Fertility InstituteFranklin, TN; IVF with PGTWith PGTFrom $20,500Without PGTFrom $14,500+$6,000
- Tennessee Reproductive MedicineChattanooga, TN; IVF refund guarantee with PGT biopsyWith PGT$30,900Without PGT$27,810+$3,090
- Tennessee Reproductive MedicineChattanooga, TN; Multiple-cycle option 1 with PGTWith PGT$29,705Without PGT$24,401+$5,304
- The Reproductive Medicine GroupTampa, FL; IVF with PGTWith PGT$15,000 to $19,000Without PGT$13,500 to $19,975a range, not subtracted
What the genetics labs charge
Most US PGT labs post no price for patients, so their fee reaches you through the clinic's quote. Of the 12 labs we checked, 2 post one, and both sell newer whole-genome or polygenic embryo reports rather than standard PGT-A.
- OrchidPreimplantation whole-genome sequencing: $2,500 per embryothe lab's own fee for its standard whole-genome embryo report; the clinic's biopsy is billed separately
- Nucleus GenomicsNucleus Embryo: $9,999 per caseanalysis of up to 20 embryos plus genetic tests for both parents, from your own PGT lab's data; it does not biopsy or test embryos itself
Labs that post no patient price: Juno Genetics, CooperSurgical, Igenomix, Natera, Progenesis, Genomic Prediction (LifeView), Ovation, Herasight, Juniper Genomics and Reproductive Genetic Innovations. On screening embryos for polygenic risk scores, ASRM concluded that "this emerging technology is not ready for clinical practice and should not be offered as a reproductive service at this time" (Ethics and Practice Committees on polygenic embryo screening (PGT-P), December 2025).
Testing for an inherited condition
PGT-M tests embryos for one condition a parent is known to carry, and PGT-SR for a parent's chromosome rearrangement. Unlike routine PGT-A, their medical use is well established.
- Denver Fertility, PGT-M or PGT-SR analysis: $2,500 to $6,500paid directly to the genetic lab
- Pozitivf Fertility, PGT-M package: $24,995IVF with PGT-M and PGT-A testing of every viable embryo, medications and the first transfer
- Reach Fertility, PGT-M case preparation fee: $1,565 one-time feethe clinic's estimate
- Reach Fertility, PGT-M analysis: $390 per embryothe clinic's estimate; includes PGT-A
- Reach Fertility, PGT-SR analysis: $365 per embryothe clinic's estimate; includes PGT-A
ACOG: "The clinical utility of preimplantation genetic testing-monogenic and preimplantation genetic testing-structural rearrangements is firmly established; however, the best use of preimplantation genetic testing-aneuploidy remains to be determined." (Preimplantation Genetic Testing, Committee Opinion No. 799, 2020, reaffirmed 2025). Because these tests need IVF even for couples with no fertility problem, ask what the whole cycle costs, not only the test.
PGT for choosing an embryo's sex
The same PGT-A test reports an embryo's sex chromosomes, and some US clinics offer to select by sex for non-medical reasons. Clinics that post a price for it:
- Bay IVF, Gender selection, added to IVF: $5,400includes embryo biopsy and freezing
- CNY Fertility, PGT-A for gender selection: $2,000 to $3,000from its gender selection cost table
ASRM Ethics Committee: "Practitioners offering assisted reproductive services are under no ethical obligation to provide or refuse to provide nonmedically-indicated methods of sex selection." (Use of reproductive technology for sex selection for nonmedical reasons, 2022). Clinics set their own policies on it.
What PGT-A does, and does not, do
PGT-A is the test most IVF patients are offered, and the one whose value is most debated.
In the largest randomized trial, 1,212 women aged 20 to 37 with at least three good-quality blastocysts, the cumulative live-birth rate was 77.2% with PGT-A and 81.8% with conventional IVF. Pregnancy loss was 8.7% with PGT-A and 12.6% without it. Source
- ASRM and SART: "The value of PGT-A as a routine screening test for all patients undergoing in vitro fertilization has not been demonstrated." (The use of preimplantation genetic testing for aneuploidy, committee opinion, 2024)
- HFEA (the UK fertility regulator): "For most fertility patients, the use of PGT-A is rated red for improving the chances of having a baby. This is because PGT-A is a selection tool that often reduces the number of embryos available for transfer." (Treatment add-ons rating for PGT-A)
How often US embryo transfers used PGT (2022)
Share of embryo transfers that used any preimplantation genetic testing, 52.9% to 65.6% depending on age, from the CDC's national IVF data. The full evidence for every add-on is on IVF add-ons.
Does insurance cover PGT?
Usually not, but a few states now name it in their fertility coverage laws. Whether your plan must follow a state law also depends on whether your employer self-funds it.
Large-group health plans must cover preimplantation genetic testing and embryo biopsy as fertility services from January 1, 2026 (SB 729), as listed in the state's guidance to health plans.
Group policies with pregnancy benefits issued or renewed from January 1, 2026 must cover PGT-A, PGT-SR and PGT-M as part of infertility coverage.
The state employees' health program must cover IVF and genetic testing for members who, with their partner, carry a trait for cystic fibrosis, spinal muscular atrophy, Morquio syndrome, myotonic dystrophy or sickle cell anemia; the same law has Medicaid seek a federal waiver to do the same.
We also read the fertility coverage laws of Colorado, Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York and Rhode Island: none names PGT, so whether a plan there pays for it is the plan's own decision. Delaware's law does list embryo biopsy. How to check your own plan.
Common questions about PGT cost
How much does PGT-A cost?
At the 17 US clinics that post one price for testing a cycle's embryos, PGT costs $1,800 to $6,000; a price that names a number of embryos covers 5 to 15 of them, with more charged per embryo. Where the clinic and the genetics lab bill separately, the clinic's biopsy fee runs $1,200 to $4,000 and the lab charges $195 to $375 per embryo tested. These are the clinics' own posted prices, read on Oct 9, 2026; they are never averaged, because one price covers the biopsy and the test for five embryos and another covers only the lab's fee for one.
How much does IVF with PGT cost?
Clinics that post an IVF package both with and without PGT charge $970 to $6,000 more for the version with it (17 clinics). Testing also means freezing every embryo and transferring one in a later frozen embryo transfer, which typically costs $3,000 to $6,900 more, unless the clinic's package includes it.
Why do clinics charge PGT in separate pieces?
PGT has two parts done by two parties. The clinic's embryology lab takes a few cells from each embryo (the biopsy) and freezes the embryos, and an outside genetics lab tests the cells. Some clinics post one price for both, others post their biopsy fee and say the genetics lab bills its testing fee directly, often per embryo, plus shipping.
Does insurance cover PGT?
Usually not, and it depends on your plan and your state. California and Illinois now require some plans to cover it: California: Large-group health plans must cover preimplantation genetic testing and embryo biopsy as fertility services from January 1, 2026 (SB 729), as listed in the state's guidance to health plans. Illinois: Group policies with pregnancy benefits issued or renewed from January 1, 2026 must cover PGT-A, PGT-SR and PGT-M as part of infertility coverage. Utah's state employees' plan covers it only for couples who both carry a trait for one of five named conditions. The fertility coverage laws of 10 other states and DC that we read do not name PGT.
Is PGT-A worth the cost?
It depends on what you want it to do. ASRM and SART say: "The value of PGT-A as a routine screening test for all patients undergoing in vitro fertilization has not been demonstrated." In the largest randomized trial, 1,212 women aged 20 to 37 with at least three good-quality blastocysts, the cumulative live-birth rate was 77.2% with PGT-A and 81.8% with conventional IVF. Pregnancy loss was 8.7% with PGT-A and 12.6% without it. The UK regulator rates it red for raising the chance of a baby for most patients and green for lowering the chance of miscarriage.
How much does PGT-M cost?
PGT-M tests embryos for a single inherited condition a parent carries, and usually adds a one-time case setup (probe design) fee to the per-embryo test. Posted examples: Denver Fertility, pgt-m or pgt-sr analysis $2,500 to $6,500; Pozitivf Fertility, pgt-m package $24,995; Reach Fertility, pgt-m case preparation fee $1,565 one-time fee; Reach Fertility, pgt-m analysis $390 per embryo.