IVF cost in Tennessee (2026)
3 clinics publish base cycle pricing in Tennessee, out of 7 CDC-reporting fertility clinics. Median published base cycle $12,950 (range $12,000–$14,240). That is 1% above the national median of $12,779.
Next: compare clinic outcomes and published fees
See Tennessee clinic success rates, price disclosure and CDC reporting before shortlisting.
Using this data?
Methodology, extracts and licensing
Main sources
- Published fertility clinic price pages
- CDC ART clinic reporting
- Tennessee insurance mandate research
- TreatCompare US IVF pricing dataset
Methodology: We calculate Tennessee medians from clinics that publish fees, then show how many clinics disclose pricing versus total CDC-reporting clinics. Medication and add-on ranges are planning estimates, not clinic quotes.
TreatCompare publishes healthcare, care-cost and treatment-pricing research for consumers, journalists, policymakers and commercial teams.
Important context
Healthcare prices can change without notice and may exclude consultation fees, medication, diagnostics, anaesthetic, facility fees, follow-up care or add-ons. TreatCompare summarises published or compiled pricing for comparison and planning only. Always verify the current total directly before paying.
- Source type
- Clinic-published prices and TreatCompare US IVF pricing analysis
- Primary source
- Tennessee fertility clinic published price pages
- Reporting period
- Latest visible clinic price checks, May 2026
- Last updated
- May 2026
- Figure type
- Mixed sources
- Use
- Research and comparison only
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Tennessee IVF cost: what local patients should compare first
Tennessee has no IVF insurance mandate and fewer large metro clinic clusters, so patients often compare self-pay IVF with IUI and regional travel options.
Tennessee patients should ask clinics for written totals covering medication, ICSI/PGT-A, embryo transfer and storage before comparing with nearby states.
Beyond the base cycle
- Median medication cost
- $3,000
Add medication, ICSI (~$1,500), PGT-A (~$3,500+ including biopsy), and storage to build a full cost. See the IVF cost calculator to model scenarios.
Other fertility treatment costs in Tennessee
Patients searching for IVF prices often need the surrounding costs too: first fertility work-up, IUI, frozen embryo transfer and storage. These are typical US self-pay ranges; clinic fees in Tennessee vary depending on monitoring, medication and lab add-ons.
| Service | Typical self-pay range | What to check |
|---|---|---|
| Initial fertility exam / consult | $150-$500 | Whether ultrasound, bloodwork or semen analysis is separate |
| IUI cycle | $500-$2,500 | Natural vs medicated cycle, monitoring and trigger shot fees |
| Frozen embryo transfer | $3,500-$6,000 | Whether thaw, monitoring and medication are bundled |
| Realistic IVF cycle total | $19,450-$26,950 | Base cycle plus medication, ICSI/PGT-A, freezing and storage |
IVF budget scenarios in Tennessee
Use the base cycle price as the starting point, not the final bill. The same clinic can quote very different totals depending on medication dose, ICSI, PGT-A, freezing and whether a frozen embryo transfer is needed later.
| Scenario | Estimated total | Assumption |
|---|---|---|
| Base cycle only | $12,950 | Median published base cycle among local disclosing clinics |
| Base + medication | $15,950 | Adds local medication median where available, otherwise a national benchmark |
| Likely self-pay cycle | $19,450-$26,950 | Base cycle plus medication, ICSI/PGT-A risk, freezing and storage |
| Payment-plan comparison | Varies | Compare APR, monthly payment, total repayment and excluded services |
Clinic pricing in Tennessee — lower-cost first
| Clinic | City | Base cycle | Meds (est.) | Price type |
|---|---|---|---|---|
| Southeastern Center for Fertility and Reproductive Surgery, PLLC | Knoxville | $12,000 | $3,000 | average |
| Tennessee Fertility Institute | Franklin | $12,950 | — | starting-from |
| Nashville Fertility Center | Nashville | $14,240 | — | starting-from |
Insurance coverage in Tennessee
Tennessee has no IVF insurance mandate — most patients pay out of pocket.
Read the full Tennessee coverage rules →Looking for success rates in Tennessee?
This page ranks clinics by published cost. For outcomes (CDC live birth rates by age band) and a combined cost + outcomes view, see the Tennessee clinics page.
Tennessee fertility clinics & success rates →How Tennessee compares
Median base cycle pricing across disclosing clinics in other states, lower-cost first:
| State | Median base cycle | Disclosing clinics |
|---|---|---|
| Hawaii | $4,397.9 | 1 |
| Arizona | $7,925 | 2 |
| Ohio | $8,400 | 1 |
| Utah | $8,833 | 2 |
| New Jersey | $8,950 | 3 |
| Florida | $10,000 | 3 |
| Missouri | $10,800 | 1 |
| Connecticut | $10,875 | 2 |
| West Virginia | $12,390 | 2 |
| Texas | $12,813 | 8 |
| Colorado | $13,312 | 2 |
| Idaho | $14,000 | 1 |
Nearby state comparisons
Nearby states can have very different insurance rules, clinic density and self-pay pricing.
Tennessee IVF cost FAQs
How much does IVF cost in Tennessee?
Published base IVF cycle pricing in Tennessee ranges from $12,000 to $14,240, with a median of $12,950 across 3 disclosing clinics. Medication, ICSI, PGT-A, embryo freezing and storage are usually extra.
How much does IUI cost in Tennessee?
IUI usually costs $500 to $2,500 per cycle before medication. Injectable medication and monitoring can make medicated IUI more expensive than a basic natural-cycle IUI.
Does insurance cover IVF in Tennessee?
Tennessee has no IVF insurance mandate, so many patients pay privately unless their employer plan voluntarily includes fertility benefits.
What is a realistic total IVF cost in Tennessee?
A realistic self-pay IVF budget in Tennessee is often higher than the base cycle price. Using the local published base cycle median plus typical medication and lab add-ons, patients should compare a rough full-cycle budget of $19,450 to $26,950 before financing or insurance adjustments.
Do fertility clinics in Tennessee offer IVF payment plans?
Some fertility clinics in Tennessee offer third-party financing, multi-cycle packages or refund programs, but terms vary. Compare the APR, total repayment amount, what services are bundled, and whether medication, PGT-A, storage or frozen embryo transfer are excluded.
Explore TreatCompare US
Pricing from clinic websites, captured from the current TreatCompare pricing dataset. Not all clinics disclose fees; figures above reflect the disclosing subset only. Outcome data (on linked clinic pages) is from CDC ART 2022 reporting year.