A CALMER WAY TO PLAN IVF COSTS

More clarity for
the road ahead.

Keep your IVF costs, insurance questions, and clinic estimates in one organized place — so your next conversation feels a little more manageable.

Start planning See how it works

✓Private by design. Nothing leaves this browser unless you ask for a personalized report.

YOUR IVF PLAN✳

One step
at a time.

✓Estimate out-of-pocket costs

✓Prepare insurance questions

Compare clinic estimates

✳Clarity, not pressure.Made for your next step.

◎Organize the detailsBring scattered estimates together

⌁Ask better questionsPrepare before you call

↗Compare with confidenceSee estimates side by side

A LITTLE MORE IN CONTROL

Big decisions are easier
when the details are clear.

IVF can come with a lot to track. This simple planning workspace helps you organize the financial and administrative side — without pretending to replace your care team or insurance provider.

01 / COST PLANNER

Build your cost snapshot

Calculates in your browser

Estimated expenses

Enter estimates from your clinic or insurer.

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Where these starting figures come from

These are typical US figures, not a quote from any clinic. They come from the price pages of 48 US clinics that publish their prices, plus three published 2026 cost guides. Every clinic prices differently — replace each figure with your clinic's written quote. If you pick a clinic with published prices in the comparison below, the planner fills in that clinic's own figures instead.

Cost guides: Coastal Fertility cost guide ↗ · HealthXL cost guide ↗ · Ovu cost breakdown ↗

Age rangeFor your reference only — it does not change the estimate.StateCity where you liveOptional — only used to suggest clinics near you. It changes nothing else on this page.Coverage situationUse the insurance call checklist below before entering a confirmed amount. Enter $0 until you have something in writing.Planned cycles

Treatment costs — typical estimates to start; replace each figure with your clinic's written quote

Base IVF cycle (monitoring, retrieval, lab, transfer)$

Typical $12,000–$15,000 · 23 clinics' published prices and cost guides

Fertility medications$

Typical $3,000–$7,000 · 6 clinics' published prices and cost guides

ICSI$

Typical $1,500–$2,500 · cost guides (3 clinics publish $600–$1,295)

PGT-A (genetic testing of embryos)$

Typical $3,000–$6,000 · cost guides (4 clinics publish $1,200–$9,000)

Frozen embryo transfer (a later cycle)$

Typical $3,000–$6,000 · 11 clinics' published prices and cost guides

Anesthesia$

Typical $500–$1,500 · cost guides (5 clinics publish $175–$1,250)

Embryo storage (per year)$

Typical $500–$1,000 · cost guides (4 clinics publish $480–$1,000)

Amount your insurer confirmed in writing ($)Enter $0 unless you have it in writing. A verbal “probably covered” doesn't count.No written confirmation yet? Try the illustration block below — change its four numbers to see roughly what a plan might pay.Other / travel costs ($)Travel, time off work, or anything else you expect to pay.

Plan figures from your own documents (optional)

Only enter figures from your plan documents or your insurer call. These are never guessed, and nothing is inferred from your insurer's name or your state.

Deductible — amount you pay first ($)Shown for reference. It does not change the estimate — the confirmed amount above should already reflect it.Out-of-pocket maximum — most you pay in a year for covered care ($)If entered, the treatment part of the estimate is capped at this amount. Confirm with your insurer that these services count toward it.

Use estimates you have verified or clearly label them as preliminary.

ILLUSTRATION ONLY — HOW THE MATH WORKS

How the cost-sharing math works — an example only

This block only shows how the math works, using example numbers you can change. It does not mean any plan covers anything. Whether a plan pays anything depends on that plan's own documents — confirm coverage with your insurer first, using the questions in the checklist below. Go to the insurance questions checklist

Treatment total from the planner above: $18,000 — change the planner figures and this updates too.

Deductible — amount paid first ($)Example — KFF 2025 average, single coverage. Change it to your plan's figure.Coinsurance — your share after the deductible (%)Example — change it to your plan's percentage.Out-of-pocket maximum — most you pay in a year ($)Example — 21% of covered workers face more than $6,000 (KFF 2025). Leave empty for no cap.Fertility benefit maximum ($)Example — your plan may have a separate lifetime or annual dollar maximum for fertility benefits; leave empty if none.

Your out-of-pocket in this example$5,109

What the plan would pay in this example$12,891

How it adds up: min(out-of-pocket maximum $6,000, deductible $1,886 + 20% × $16,114) = $5,109

Example figures from KFF's 2025 Employer Health Benefits Survey. View the KFF survey ↗ These are national averages, not your plan's figures. Change every number to match your own plan documents.

FULL REPORTPERSONALIZED WORDING

Your report, in your own words

This turns the numbers from your calculator into a short, personal write-up. The numbers stay exactly as calculated — only the wording changes. Only your calculated figures and selected options are sent; no names, notes, or insurer details. It is part of the $19 one-time planning pack and is generated only after payment.

Inside the $19 one-time planning pack:

✓ Detailed cost breakdown for your figures, cycle by cycle
✓ Insurer call script and the full questions checklist
✓ Appeal letter template with correct CPT codes (fill in your own details)
✓ HR email script for asking about standalone fertility benefits
✓ Medication savings checklist (programs, current terms, income limits)
✓ Multi-cycle math explainer, labeled illustration-only
✓ PDF download of the whole pack

$19one-time · generated only after payment · no payment details are collected on this page

Email me a copy (optional)

Only used to send this copy, once the report shows. Your address is never stored and never sent anywhere else.

California — Cal. Health & Safety Code § 1374.55; Cal. Insurance Code § 10119.6 (summary)

Verified against the statute

This summary follows the state selected above (California) — change the state to see another state's summary.

California law requires large-group health plans and insurers to cover diagnosis and treatment of infertility, including IVF, for contracts issued, amended or renewed on or after 1 January 2026, up to three completed egg retrievals with unlimited embryo transfers. Small-group plans must offer the coverage but are not required to include it. Religious employers, Medi-Cal managed care, and CalPERS plans until July 2027 are excluded. Whether a particular plan is covered depends on its type and renewal date; check the plan documents and ask the insurer.

Effective: 2026-01-01. Scope: Large-group health care service plan contracts and large-group health insurance/disability policies issued, amended or renewed on or after 2026-01-01 must provide coverage; small-group contracts/policies must offer coverage. Does not apply to a religious employer (as defined in Health & Safety Code § 1367.25 / Insurance Code § 10123.196); Medi-Cal managed-care contracts are excluded; plans/contracts with the CalPERS Board of Administration are excluded until 2027-07-01. No statement about self-funded ERISA plans appears in the SB 729 text read, so no ERISA exemption is claimed here.. Source: California Legislative Information — SB 729 Today's Law As Amended (HSC § 1374.55 / Insurance Code § 10119.6); California Legislative Information — SB 729 bill status (chaptered/approved 2024-09-29; Governor's message). View source ↗

Applies to:: Large-group health care service plan contracts and large-group health insurance/disability policies issued, amended or renewed on or after 2026-01-01 must provide coverage; small-group contracts/policies must offer coverage. The SB 729 operative text read uses 'large group' without stating an employee number; legislature materials describe large group as more than 100 employees.
Covers:: Diagnosis and treatment of infertility and fertility services, including IVF, up to three completed oocyte retrievals with unlimited embryo transfers under ASRM guidelines, using single-embryo transfer when recommended and medically appropriate; no fertility-medication restriction different from other prescription drugs; no denial based on participation in fertility services provided by or to a third party (donor, gestational carrier or surrogate).
Limits:: Three completed oocyte retrievals maximum; unlimited embryo transfers from those retrievals; no deductible, copayment, coinsurance, benefit maximum, waiting period or other limit different from non-infertility benefits except as provided in subdivision (a).
Exemptions:: Does not apply to a religious employer (as defined in Health & Safety Code § 1367.25 / Insurance Code § 10123.196); Medi-Cal managed-care contracts are excluded; plans/contracts with the CalPERS Board of Administration are excluded until 2027-07-01. No statement about self-funded ERISA plans appears in the SB 729 text read, so no ERISA exemption is claimed here.

This is information about what the law says, not a conclusion about your coverage. Confirm what your own plan covers.

National context — CDC, 2022 final data

In 2022, 435,426 ART cycles were performed on 251,542 unique patients at 457 reporting U.S. clinics, resulting in 94,039 live-birth deliveries and 98,289 live-born infants — about 2.6% of all infants born in the U.S. that year. 184,423 of those cycles were egg or embryo banking cycles in which all resulting eggs or embryos were frozen for future use.

Source: CDC, National ART Surveillance System (NASS), ART Surveillance page, December 10, 2024.

This page does not republish CDC success-rate percentages. National success rates by age group are published in CDC's 2022 Final ART Success Rates dataset (Socrata view cchw-gdwa). Those rates are cumulative — they count embryo transfers that occur within 1 year after an egg retrieval — and CDC suppresses small samples (1–4) and shows fractions where denominators are under 20. CDC warns that success rates do not reflect any one patient's chance of success, and that comparing rates across clinics may not be meaningful because patient populations and treatment methods differ. Miscarriage rates by age group are not published in that dataset.

About SART: membership in the Society for Assisted Reproductive Technology is voluntary. SART publishes clinic information through an interactive lookup tool and has no public data API. No clinic's SART membership is stated on this page.

CDC ART success rates application and data ↗CDC 2022 Final ART Success Rates dataset (Socrata view cchw-gdwa) ↗

Clinics near you

Picked from the clinic list on this page only: clinics in your city first, then your state. Within each group, clinics with published prices come first, then alphabetical. Free — no payment, and nothing is sent anywhere.

Add your city above to see clinics in your city first — showing clinics in California for now.

Alex Steinleitner, MD, Inc.
San Luis Obispo, CA · In your state
Clinic's published prices:
- Base IVF cycle (monitoring, retrieval, lab, transfer) — Published $8,900 View price page ↗
- Frozen embryo transfer (a later cycle) — Published $5,500 View price page ↗
- Anesthesia — Published $750 View price page ↗
Bay IVF Center
Palo Alto, CA · In your state
Clinic's published prices:
- Base IVF cycle (monitoring, retrieval, lab, transfer) — Published $11,870 View price page ↗
CCRM San Francisco, Bay Area Center for Reproductive Medicine, LLC (BACRM)
Menlo Park, CA · In your state
Clinic's published prices:
- Base IVF cycle (monitoring, retrieval, lab, transfer) — Published $12,660–$30,780 View price page ↗
- Frozen embryo transfer (a later cycle) — Published $3,920–$6,940 View price page ↗

02 / INSURANCE CHECKLIST

Questions worth asking

Use this checklist when you contact your insurer or clinic billing team.

0 of 20completed

About the figures in this section

The state summaries are read from each state's own law text. Statute numbers and source links sit on each summary. 45 of 51 jurisdictions are verified; the 6 still unverified — Alabama, Alaska, Indiana, Mississippi, Tennessee, and Wyoming — show general wording only, and no claim is made about them.

The cost-sharing example figures come from KFF's 2025 Employer Health Benefits Survey of 1,862 employers. They are national averages, not any one person's plan figures.

This section never concludes whether your own plan covers anything — that depends on your plan's documents. Use the questions and the call log below to get the answer in writing.

Names you will see

The big names on insurance cards are UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield state companies, Kaiser Permanente, and Humana. The company name alone decides nothing — the same carrier sells plans that cover IVF and plans that do not. What matters is your own plan's documents.

Some employers buy a separate fertility benefit program — Progyny and Carrot are the common ones. Ask HR — the HR email script in the $19 planning pack asks exactly this.

Medicare does not cover IVF. Medicaid generally does not cover IVF.

01What is covered — and which procedure codes

✓Does my plan cover an infertility evaluation — testing to find the cause of infertility?

✓Does my plan cover IVF treatment? If so, how many egg retrievals and embryo transfers?

✓Which procedure codes (CPT codes — the numbers insurers use to identify each procedure) does my plan recognize for IVF, ICSI, and PGT-A? Ask them to list the codes and write them down exactly.

✓Which clinics and labs are in-network for fertility care?

02What you pay — deductibles and caps

✓What is my deductible — the amount I pay myself before the plan starts paying?

✓How much of my deductible have I already met this year?

✓What is my out-of-pocket maximum — the most I would pay in a year for covered care?

✓Is there an annual or lifetime dollar maximum for fertility benefits? What counts toward it?

✓Is there a limit on the number of IVF cycles, separate from any dollar maximum?

✓What do I pay for each service — a flat amount (a copay), or a percentage of the cost (coinsurance)?

03Medications — medical benefit or pharmacy benefit?

✓Are fertility medications covered? Do they fall under the medical benefit or the separate pharmacy benefit?

✓Is there a separate dollar maximum for medications?

✓Which specialty pharmacy must I use, and what will I pay there?

04Approval before treatment

✓Is pre-authorization — approval in advance — required before starting a cycle? Which forms are needed, and how long does approval take?

✓Do I need a referral from my OB-GYN or primary care doctor first?

05Requirements you must meet first

✓Are there requirements I must meet first — for example, trying other treatments first, or an age or diagnosis rule? Ask them to name each one.

✓Does my plan require treatment at a specific kind of facility?

06If a claim is denied — appeals

✓If a claim is denied, what documents are needed for an appeal, and what is the deadline?

✓How do I get the denial in writing, with the reason and the rule it was based on?

✓Write down the representative's name, the date, and the call reference number — and ask where each answer appears in my plan documents.

03 / CLINIC COMPARISON

Compare estimates, not just totals

Pick or type a clinic name to fill its column — published prices where the clinic publishes them, typical estimates for the rest. Replace any figure with the clinic's written quote. No success rates are shown.

Cost item	Pick or type a clinic name — the column fills with published prices or typical estimates.	Pick or type a clinic name — the column fills with published prices or typical estimates.	Pick or type a clinic name — the column fills with published prices or typical estimates.
Base IVF cycle (monitoring, retrieval, lab, transfer) ($)
Fertility medications ($)
ICSI ($)
PGT-A (genetic testing of embryos) ($)
Frozen embryo transfer (a later cycle) ($)
Anesthesia ($)
Embryo storage (per year) ($)
Other costs ($)
What is included?
Total	—	—	—

Estimates may exclude services, medications, storage, additional transfers, or complications. Totals add up the figures shown. Ask each clinic for a written, itemized quote.

YOUR NEXT STEP

A little more structure.
A little less overwhelm.

The $19 one-time full report brings your cost snapshot, insurance checklist, and clinic comparison into one planning pack.

✓ Detailed cost breakdown for your figures, cycle by cycle
✓ Insurer call script and the full questions checklist
✓ Appeal letter template with correct CPT codes (fill in your own details)
✓ HR email script for asking about standalone fertility benefits
✓ Medication savings checklist (programs, current terms, income limits)
✓ Multi-cycle math explainer, labeled illustration-only

$19one-time

No payment details are collected on this page.

Important information

IVF Navigator is an organizational and educational tool, not medical, legal, insurance, or financial advice. It does not verify insurance benefits, determine eligibility, recommend treatment, or guarantee costs or coverage. Confirm all details with your insurer, clinic, and qualified professionals. Your entries stay in this browser session and are not sent to a server, except that generating a personalized report sends only your calculated figures and selected options to an outside wording service set up for this site — never names, notes, or insurer details. Anonymous usage counts help us see which parts of the page are useful; they record only which buttons are used, with no personal details and none of the figures you enter. Do not enter sensitive health information.