TLDR

Fertility treatment costs vary widely depending on the type of treatment, how many cycles are needed, and what is included.

In 2026, fertility treatment in the US can range from a few hundred dollars for basic monitoring to tens of thousands for IVF and related care.

The hardest part for most people is not the headline price. It is understanding what is included, what is not, and how costs can change as treatment unfolds.

This guide breaks down typical fertility treatment costs across IVF, IUI, egg freezing, medications, testing, and common add ons so you can plan with clearer expectations.

Why fertility treatment costs vary so much

Two people can undergo the same type of fertility treatment and pay very different amounts.

That is because costs are influenced by many factors, including:

• The clinic and geographic location
  
• The type of treatment recommended
  
• Medications and dosage required
  
• Whether treatment progresses smoothly or changes mid cycle
  
• How many cycles are needed
  
• Whether insurance or employer benefits apply
  
  

Most fertility clinics quote base prices. The final cost is often shaped by what happens along the way.

Typical fertility treatment costs by type

Below are general ranges for common fertility treatments in the US. These are averages, not guarantees, and do not include insurance or employer benefits.

IVF costs

IVF is usually the most expensive fertility treatment because it involves multiple steps, lab work, and medications. A single IVF cycle typically costs between $15,000 and $30,000 all in. This usually includes:

• Ovarian stimulation monitoring
  
• Egg retrieval procedure
  
• Fertilisation and embryo culture
  
• Basic lab work
  

Often billed separately are:

• Medications, which can cost $3,000 to $8,000 or more
  
• Frozen embryo transfer
  
• Genetic testing
  
• Storage fees
  
• Anesthesia fees
  

Many people need more than one IVF cycle, which is why total costs can increase quickly.

IUI costs

IUI is less invasive and less expensive than IVF. A single IUI cycle typically costs between $500 and $4,000.

Costs may include:

• Monitoring appointments
  
• Ultrasounds and bloodwork
  
• The insemination procedure
  

Medications, donor sperm, and additional monitoring can increase the total cost. IUI is often tried before IVF, but success rates vary depending on diagnosis and age.

Egg freezing costs

Egg freezing involves many of the same steps as IVF but without embryo transfer.

A single egg freezing cycle typically costs between $10,000 and $20,000.

This often includes:

• Monitoring and retrieval
  
• Lab processing and freezing
  

Additional costs to plan for include:

• Medications
  
• Annual storage fees
  
• Future thawing and fertilisation when eggs are used
  

Some people freeze eggs over more than one cycle, which increases total cost.

Fertility medication costs

Medications are a major driver of fertility treatment cost, especially for IVF and egg freezing.

Medication costs commonly range from:

• $500 to $2,000 for oral or injectable medications used with IUI
  
• $3,000 to $8,000 or more for IVF or egg freezing cycles
  

Dosage, protocol, and pharmacy pricing all affect the final amount.

Common fertility testing and lab fees

Before and during treatment, testing can add to overall cost.

Common tests include:

• Hormone bloodwork
  
• Ultrasounds
  
• Semen analysis
  
• Infectious disease screening
  

Testing costs vary widely but can add several hundred to several thousand dollars over time.

Add ons that increase total cost

Many fertility treatments involve optional or situational add ons. These can significantly change the final price. Common add ons include:

• PGT A genetic testing
  
• ICSI
  
• Assisted hatching
  
• Anesthesia fees
  
• Embryo or egg storage
  
• Additional monitoring visits
  

Some add ons are recommended for medical reasons. Others are optional and depend on clinic practice.

Asking what is optional and what is required can help avoid surprises.

What usually drives fertility treatment costs higher or lower

Costs tend to increase when:

• More than one cycle is needed
  
• Medications are higher dose or extended
  
• Add ons like genetic testing are used
  
• Treatment plans change mid cycle
  
• Transfers are delayed or cancelled
  

Costs may be lower when:

• Treatment works quickly
  
• Fewer medications are required
  
• Fewer add ons are used
  
• Insurance or employer benefits apply
  

How people manage fertility treatment costs

Most people do not pay for fertility treatment in one single way.

Common approaches include:

• Paying per cycle
  
• Using clinic packages or multi cycle programs
  
• Using fertility specific loans or financing
  
• Exploring grants or employer benefits
  
• Using HSAs or FSAs
  
• Choosing plan based financing options
  

Each approach affects not just affordability, but predictability and financial stress.

Where Gaia fits

‍Gaia does not sell fertility treatment or replace your clinic. Instead, Gaia offers plan-based fertility financing that helps people pay for IVF, egg freezing, and other treatments over time, with clear financial protections tied to how treatment unfolds. Rather than paying per cycle and absorbing every unexpected change, members choose a plan that outlines what happens financially if treatment progresses as expected, pauses, or ends early. The focus is on predictability and transparency, not guarantees of a baby or all-or-nothing refunds.

The cost of Gaia depends on your treatment plan, clinic pricing, and the level of financial protection you choose. Monthly payments are based on your total expected treatment costs and plan structure, rather than a single upfront cycle fee. The benefit is not necessarily paying less overall, but knowing your exposure in advance, avoiding large surprise bills, and spreading costs in a way that matches the reality that fertility treatment often takes more than one attempt. For many people, Gaia sits between paying fully out of pocket per cycle and traditional shared-risk programs that can be rigid or all-or-nothing.

Final thought

Fertility treatment costs are rarely simple or static. Understanding typical ranges is helpful, but the most important thing is knowing how your own costs might change depending on what happens during treatment. Asking questions early, planning for more than one outcome, and choosing a structure that fits your comfort with uncertainty can make a difficult process feel more manageable. If you want help understanding how fertility treatment costs fit into a broader plan, Gaia is here to help you think it through.

‍