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What IVF costs in 2026, line by line

Gabriel Haddock

1 min read

Costs & coverage

1 min read

The cycle fee, medications, genetic testing, transfers and storage. Every line of an IVF bill, what insurance may cover and how payment plans work.

Gabriel Haddock, financial counselor at Aldercrest Fertility

Gabriel Haddock

Financial counselor

An IVF price can mean very different things from clinic to clinic. Here is every line of ours, so you can compare like with like.

The cycle fee: $15,900

Monitoring visits, egg retrieval with anesthesia, ICSI, embryo culture to day 5 or 6, freezing, the first year of storage and one frozen embryo transfer.

Medications: usually $3,000 to $7,000

Billed by a specialty pharmacy, not by us. The amount depends on your dose, and we price your protocol before you start.

Optional and later costs

  • PGT-A genetic testing, up to 8 embryos: $3,600

  • Each additional frozen embryo transfer: $4,200

  • Embryo storage after year one: $650 a year

What insurance may cover

Testing is usually covered. IVF coverage depends on your employer, your plan and your state. Some employers offer a fertility benefit through programs like Progyny or Carrot. We verify your benefits in writing and show you the expected out-of-pocket amount before the first injection.

Paying for it

We take HSA and FSA cards, offer interest-free monthly plans for up to 12 months on a single cycle, and work with lenders for longer terms. Ask about multi-cycle packages if you expect more than one retrieval.

Written by

Gabriel Haddock, financial counselor at Aldercrest Fertility

Gabriel Haddock

Financial counselor

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