Reciprocal IVF (co-IVF)

How much does reciprocal IVF cost?

In reciprocal IVF one partner's eggs are retrieved and fertilized with donor sperm, and the embryo is transferred to the other partner, who carries the pregnancy. Here is what 9 US fertility clinics post for it on their own websites, each price beside what it includes.

Prices read · checked 14 h ago
$8,989–$22,150for one reciprocal cycle
9clinic websites post a price
131more describe it, no price

At the 9 clinic websites that post a price for one reciprocal IVF cycle, it costs $8,989 to $22,150, each clinic's own price with its own terms. Only CNY Fertility's price (from $8,989) includes medications; the others leave them out or do not say. Donor sperm is bought separately from a sperm bank: 15 US banks post $675 to $2,500 for a standard vial. Another 131 clinic websites describe reciprocal IVF as one of their services without posting a price.

What you pay for

Two partners, one cycle

Reciprocal IVF is an IVF cycle split across two people, plus donor sperm, so what a price includes matters as much as the amount.

1. The partner who provides the eggs

Ovarian stimulation, monitoring visits, and the egg retrieval under anesthesia. The stimulation medications are usually billed separately, by a pharmacy.

2. The lab

Fertilizing the eggs with donor sperm (often by ICSI), growing the embryos and freezing any that are not transferred. Genetic testing of embryos (PGT) is usually priced separately.

3. The partner who carries

Preparing the uterine lining, monitoring, and the embryo transfer, either fresh (both partners' cycles synchronized) or later as a frozen embryo transfer, which some clinics price separately.

4. Donor sperm, and the paperwork

Vials come from a sperm bank: $675 to $2,500 for a standard vial at 15 US banks, plus shipping (each bank's prices). Ask a family lawyer in your state whether you also need a parentage judgment or a confirmatory adoption; that cost is not in any clinic's price.

Clinic prices

What each clinic posts for reciprocal IVF

Read on Oct 11, 2026 on each clinic's own website: 9 clinic websites post a reciprocal IVF price, covering 10 clinic locations. Prices are never averaged or ranked, because one includes both partners' medications and another leaves out medications, anesthesia or the transfer.

California1Colorado1Florida1New Jersey1New York3North Carolina1Texas1Virginia1

Reciprocal IVF cost in California (1 clinic)

  • Bay IVF Center
    Palo Alto
    • Reciprocal IVF: $14,920includes monitoring, the egg retrieval, embryo culture and embryo freezing; medications not included; the clinic lists medications, pre-treatment testing, donor sperm, storage and the later frozen embryo transfer as costs to plan beside this fee

Reciprocal IVF cost in Colorado (1 clinic)

  • CNY Fertility Colorado
    Colorado Springs
    • Reciprocal IVF cycle (both partners' monitoring, medications, retrieval and a fresh transfer): From $8,989includes monitoring, the carrying partner's monitoring, medications, the egg retrieval, ICSI, embryo freezing and a fresh transfer; donor sperm not included; CNY's $6,999 IVF package plus a $995 monitoring fee for each partner; a frozen transfer, if needed, is extra (its pages give both $995 and $1,299), and storage is billed monthly; CNY Fertility's network-wide price
    • Monitoring fee added for reciprocal IVF, per partner: $995includes monitoring and the carrying partner's monitoring; $995 for each partner ($1,990 in all) on top of the $6,999 IVF package; CNY Fertility's network-wide price

Reciprocal IVF cost in Florida (1 clinic)

  • The IVF Center
    Winter Park
    • Reciprocal IVF package: $14,500includes monitoring, the egg retrieval, embryo culture, embryo freezing and storage; anesthesia, medications, PGT and the pregnancy test not included; fresh transfer; one egg retrieval and one embryo transfer in the same cycle, with the first year of storage; anesthesia is $650 and storage $800 a year after that
    • Added when the transfer is done in a later, frozen cycle: $1,500frozen transfer; also applies whenever embryos are genetically tested (PGT), which requires freezing them first

Reciprocal IVF cost in New Jersey (1 clinic)

Reciprocal IVF cost in New York (3 clinics)

  • CNY Fertility Center
    Syracuse
    • Reciprocal IVF cycle (both partners' monitoring, medications, retrieval and a fresh transfer): From $8,989includes monitoring, the carrying partner's monitoring, medications, the egg retrieval, ICSI, embryo freezing and a fresh transfer; donor sperm not included; CNY's $6,999 IVF package plus a $995 monitoring fee for each partner; a frozen transfer, if needed, is extra (its pages give both $995 and $1,299), and storage is billed monthly; CNY Fertility's network-wide price
    • Monitoring fee added for reciprocal IVF, per partner: $995includes monitoring and the carrying partner's monitoring; $995 for each partner ($1,990 in all) on top of the $6,999 IVF package; CNY Fertility's network-wide price
  • New Hope Fertility Center
    New York
    • Reciprocal IVF: From $9,000the page says additional third-party costs (such as donor sperm) may be incurred
  • Sher Fertility Solutions-New York
    New York
    • Reciprocal IVF: $17,950a row of the clinic's IVF fee table, which lists no inclusions; ask what it covers

Reciprocal IVF cost in North Carolina (1 clinic)

Reciprocal IVF cost in Texas (1 clinic)

  • Center for Assisted Reproduction
    Bedford
    • Reciprocal IVF: $14,000includes monitoring, the carrying partner's monitoring, the egg retrieval, anesthesia, ICSI, embryo culture, embryo freezing, storage and the pregnancy test; medications and PGT not included; includes the embryo transfer and the first six months of embryo storage; pre-cycle testing is extra
    • Reciprocal effortless IVF (INVOcell): $6,500includes monitoring, sperm handling, the egg retrieval, anesthesia, embryo freezing, storage and the pregnancy test; medications not included; embryos develop in the INVOcell device rather than a full IVF lab; includes the transfer and six months of storage

Reciprocal IVF cost in Virginia (1 clinic)

  • Virginia Fertility & IVF
    Charlottesville
    • Reciprocal IVF with fresh transfer: $13,000includes monitoring, the egg retrieval, ICSI and a fresh transfer; anesthesia, medications and PGT not included; self-pay price

A price counts only when the clinic's own website states it as its price. A general figure such as "reciprocal IVF typically costs $15,000 to $30,000" does not, nor does a financing company's page saying a program can include reciprocal IVF, nor an old price list the site no longer links.

Other options and fees

Other reciprocal options and added fees

Prices clinics post beside their main reciprocal IVF price: a version that grows the embryos in the INVOcell device instead of a full IVF lab, multi-cycle packages, and fees added to a cycle.

  • CARE Fertility, Reciprocal effortless IVF (INVOcell): $6,500includes monitoring, sperm handling, the egg retrieval, anesthesia, embryo freezing, storage and the pregnancy test; medications not included; embryos develop in the INVOcell device rather than a full IVF lab; includes the transfer and six months of storage
  • The IVF Center, Added when the transfer is done in a later, frozen cycle: $1,500frozen transfer; also applies whenever embryos are genetically tested (PGT), which requires freezing them first
No posted price

Clinics that describe reciprocal IVF without a price

131 clinic websites (195 locations) describe reciprocal IVF as one of their own services, on a treatment or LGBTQ+ family-building page, but post no price for it. Ask each for a written estimate.

Arizona2California44Colorado4Connecticut4Delaware1District of Columbia2Florida8Georgia6Hawaii1Idaho1Illinois9Indiana2Kansas2Kentucky1Louisiana3Maine1Maryland3Massachusetts5Michigan4Minnesota3Mississippi1Missouri4Nebraska1Nevada4New Hampshire1New Jersey6New Mexico1New York19North Carolina3Ohio7Oregon1Pennsylvania4South Carolina2Tennessee2Texas18Utah2Vermont1Virginia6Washington6

California

Delaware

District of Columbia

Indiana

Mississippi

New Hampshire

New Mexico

Insurance

Does insurance cover reciprocal IVF?

A state IVF law helps only if its definition of infertility reaches a couple who needs donor sperm. Some older laws require the patient's eggs to be fertilized with her spouse's sperm; newer ones use a definition that includes needing donor gametes. Each line below is from the law's own text.

Since 2023 the American Society for Reproductive Medicine defines infertility to include needing donor sperm or eggs to get pregnant, alone or with a partner, the kind of definition newer state laws use. In its words: "The need for medical intervention, including, but not limited to, the use of donor gametes or donor embryos in order to achieve a successful pregnancy either as an individual or with a partner." (ASRM Practice Committee, Definition of infertility (2023)).

  • California
    Reaches couples using donor sperm

    Since January 1, 2026, state-regulated large-group plans must cover IVF (up to three egg retrievals), and the law's definition of infertility includes a person's inability to reproduce as an individual or with a partner, which reaches a couple who needs donor sperm. Small-group plans only have to offer the coverage. Cal. Health & Safety Code 1374.55(b)

  • Colorado
    Reaches couples using donor sperm

    State-regulated large-group plans must cover IVF (three egg retrievals with unlimited transfers), and the law defines infertility to include a person's inability to reproduce as an individual or with a partner. C.R.S. 10-16-104(23)(g)(VI)

  • District of Columbia
    Reaches couples using donor sperm

    Large-group plans since 2025, and individual and small-group plans from 2026, must cover IVF (at least three egg retrievals), and infertility includes a person's inability to reproduce without medical intervention, alone or with a partner. D.C. Code 31-3834.06(i)(2)

  • Connecticut
    Reaches them, with conditions

    Policies must cover IVF and, since 2024, may not distinguish by sexual orientation, but they may require less costly treatment such as IUI first and cap IVF at two cycles. From January 1, 2027 the law's definition expressly includes needing donor gametes. Conn. Gen. Stat. 38a-536(f)

  • Illinois
    Reaches them, with conditions

    Group policies (of any employer size since 2026) must cover IVF, and infertility includes a person's inability to reproduce as a single individual or with a partner; a plan can require less costly treatment such as IUI to fail first. Individual plans are not covered. 215 ILCS 5/356m(c)

  • Maine
    Reaches them, with conditions

    Since 2024 state-regulated plans must cover fertility care for an individual or couple who lacks the gametes needed to conceive, and may not limit it because donor sperm is used; a carrier may still require less costly treatment such as IUI before IVF. 24-A M.R.S. 4320-U(1)(C)

  • Maryland
    Reaches them, with conditions

    A patient married to a woman, or unmarried, qualifies after three failed artificial inseminations over a year (unless a listed condition applies), less costly treatment must fail first, and the plan does not pay for the donor sperm. Md. Code, Ins. 15-810(d)(3)(i)2

  • Massachusetts
    Reaches them, with conditions

    Insured plans with pregnancy benefits must cover infertility treatment including IVF, with no spouse or marriage rule, but the law defines infertility as being unable to conceive for a year (six months over age 35), so a couple using donor sperm generally has to show that period of unsuccessful attempts first; ask the plan how it counts them. M.G.L. c. 175, s. 47H

  • New Jersey
    Reaches them, with conditions

    Since August 2024, insured plans for groups of more than 50 must cover IVF (four egg retrievals), and infertility includes needing donor gametes to get pregnant as an individual or with a partner; a plan may still limit IVF to people who have first used all reasonable, less expensive treatments. Individual and small-employer plans are not covered. N.J.S.A. 17:48-6x and parallel sections

  • New York
    Reaches them, with conditions

    Large-group plans (more than 100 employees) must cover three IVF cycles; the law's definition of infertility counts failed donor inseminations (12 months, or 6 months at 35 or older), and the state insurance department tells insurers to cover IUI right away for people who cannot conceive because of their sexual orientation, and lets them weigh IUI before IVF. N.Y. Ins. Law 3221(k)(6)(C)(v)(I)

  • Rhode Island
    Reaches them, with conditions

    Plans with pregnancy benefits must cover infertility treatment for women aged 25 to 42, with no spouse or marriage rule, but the law defines infertility as being unable to conceive or sustain a pregnancy for a year, so a couple using donor sperm generally has to show that year of unsuccessful attempts first. R.I. Gen. Laws 27-18-30(b)

  • Delaware
    The law does not say

    Plans of employers with 50 or more employees, and individual plans, must cover IVF, including IVF with donor sperm, but only after a specialist diagnoses infertility, which the law defines as a disease or condition; it does not say whether needing donor sperm alone qualifies, so ask the plan. 18 Del. C. 3342(i)(2)j

  • New Hampshire
    The law does not say

    Fully insured group plans must cover medically necessary fertility treatment, including treatment tied to obtaining donor sperm, and may not set different requirements for groups protected by the state's anti-discrimination law; but the law defines infertility as a disease or condition and does not say whether needing donor sperm alone qualifies. N.H. RSA 417-G:2, II

  • Arkansas
    Requires the spouse's sperm

    The state's IVF rule pays only when the patient's eggs are fertilized with her spouse's sperm, which leaves reciprocal IVF with donor sperm out. Arkansas Insurance Department Rule 1

  • Hawaii
    Requires the spouse's sperm

    The one-time IVF benefit applies only when the patient's eggs are fertilized with her spouse's sperm, which leaves reciprocal IVF out; a 2025-2026 bill to remove that condition did not pass. Haw. Rev. Stat. 431:10A-116.5(a)(3)

  • Texas
    Requires the spouse's sperm

    Insurers only have to offer IVF coverage to group plans (the employer can decline it), and where it is bought it applies only when the patient's eggs are fertilized with her spouse's sperm, which leaves reciprocal IVF out. Tex. Ins. Code 1366.005

A state law reaches only fully-insured plans regulated by that state. Most large employers self-fund their plans, which state laws do not reach, and some of those cover reciprocal IVF anyway. How to check your own plan.

Screening

Is the egg-providing partner treated as a donor?

Under federal rules, not necessarily. Clinics decide what they test, and some charge for it.

Federal tissue rules do not require a clinic to screen and test a sexually intimate partner of the recipient as a donor. The regulation's words: "You are not required to make a donor-eligibility determination under § 1271.50 or to perform donor screening or testing under §§ 1271.75, 1271.80 and 1271.85 for: ... (2) Reproductive cells or tissue donated by a sexually intimate partner of the recipient for reproductive use" (21 CFR 1271.90(a)). The sperm donor is screened and tested by the sperm bank, and the vial is released only after that. Ask your clinic which tests it runs on each partner and whether they are in the reciprocal IVF price.

FAQ

Common questions about reciprocal IVF costs

How much does reciprocal IVF cost?

At the 9 clinic websites that post a price for one reciprocal IVF cycle, it costs $8,989 to $22,150, each clinic's own price with its own terms. Only CNY Fertility's price (from $8,989) includes medications; the others leave them out or do not say. Donor sperm is bought separately from a sperm bank: 15 US banks post $675 to $2,500 for a standard vial. These are each clinic's own posted prices, read on Oct 11, 2026; they are never averaged, because one includes both partners' medications and another leaves out medications, anesthesia or the transfer.

Why does reciprocal IVF cost more than regular IVF?

Two partners are treated: one is stimulated and has her eggs retrieved, the other is prepared and monitored for the embryo transfer, and the clinic coordinates donor sperm. Some clinics price this as their IVF fee plus an added amount: CNY Fertility, $995 (Monitoring fee added for reciprocal IVF, per partner).

How much is donor sperm for reciprocal IVF?

Donor sperm is bought separately from a sperm bank: 15 US banks post $675 to $2,500 for a standard vial. The lowest standard vial is at BioGenetics, the highest at The Sperm Bank of California. IVF with ICSI usually needs one vial, but clinics often advise buying a spare, and shipping to the clinic is extra.

Does insurance cover reciprocal IVF?

Sometimes, and it depends on the state and the plan. In 10 states and the District of Columbia (California, Colorado, District of Columbia, Connecticut, Illinois, Maine, Maryland, Massachusetts, New Jersey, New York, Rhode Island), the IVF insurance law's own text reaches couples who need donor sperm, for the plans it covers, some with conditions such as trying IUI first. Arkansas, Hawaii and Texas require the patient's eggs to be fertilized with her spouse's sperm, which leaves reciprocal IVF out. A state law reaches only fully-insured plans regulated by the state, not self-funded employer plans, so ask your plan directly. Since 2023 the American Society for Reproductive Medicine defines infertility to include needing donor sperm or eggs to get pregnant, alone or with a partner, the kind of definition newer state laws use.

Does the egg-providing partner need donor screening?

Federal tissue rules do not require a clinic to screen and test a sexually intimate partner of the recipient as a donor. The sperm donor is screened and tested by the sperm bank. Clinics still run their own tests on both partners, and some list a separate screening fee, so ask what yours includes.

Which fertility clinics offer reciprocal IVF?

Of the clinics we read on Oct 11, 2026, 9 clinic websites post a reciprocal IVF price and 131 clinic websites describe reciprocal IVF as a service without a price; both are listed on this page by state. A clinic missing here may still offer it: ask it directly, and ask for its price in writing.

IVFcost.co is an informational data platform, not a clinic. Prices are what each clinic posted on its own website on Oct 11, 2026; they change, and what a price includes differs, so get a written estimate before you budget. Insurance lines summarize each law's text and are not legal or coverage advice for your plan.