US IVF Cost Calculator
A directional estimate of your total IVF cost — accounting for your state’s insurance mandate, the federal ERISA self-insured carve-out, your age band (which drives expected cycles), and national price benchmarks.
Estimated total cost
- Live birth rate
- 49.0%
- per intended retrieval
- Expected retrievals
- ~2
- to one live birth
- Gross cost
- $51,000
- $25,500/cycle
- Insurance covers
- $51,000
- 2 cycles
How this works
Per-cycle cost: National benchmark of $20,000 for a fresh IVF cycle including monitoring, retrieval, lab, and a single embryo transfer. Medication adds a typical $4,000–$8,000 (we use $5,500). Real prices range from $14,000 in lower-cost markets to $30,000+ at premium urban clinics.
Expected cycles: Computed as 1 ÷ (CDC national cycle-weighted live birth rate for your age band). This is the standard back-of-envelope estimate; real outcomes vary with embryo banking, protocol, and prior history.
Insurance: If your state has an IVF mandate AND you select a fully-insured employer plan, we apply the cycles or lifetime cap from the statute. If you select “self-insured (ERISA),” the state mandate does not apply — federal ERISA preemption excludes self-insured employer plans. Roughly 60% of US workers with employer coverage are in self-insured plans.
This is a budgeting tool, not a quote. Get exact pricing from your clinic and confirm coverage with your insurer’s Summary of Benefits and Coverage (SBC).