US IVF state guide
How Much Does IVF Cost in Illinois? 2026 Prices, Clinics & Insurance
IVF in Illinois costs a median of $13,600 for the base cycle among 2 clinics with public pricing. A realistic self-pay cycle including medication and common add-ons ranges $18,600–$27,100. This page compares 21 CDC-reporting Illinois clinics on price, success rates, and the state insurance mandate rules.
Also looking at IUI? IUI in Illinois typically costs $300–$1,000 per cycle plus medication — much lower-cost than IVF and often the first-line route for couples without diagnosed infertility. See the full US fertility treatment cost comparison for IUI, IVF and donor-cycle pricing.
Next: compare clinics before judging cost
See 21 Illinois CDC-reporting clinics with outcome and price context.
Quick answer
Updated May 2026Illinois has 21 CDC-reporting fertility clinics, and 2 publish a base IVF cycle price. The median published base cycle is $13,600, before medication and common lab add-ons.
- Illinois has a full IVF mandate. It lists up to 4 egg retrievals. Self-insured employer plans are usually outside state mandate rules.
- Estimated out-of-pocket model: $16,026 (very affordable).
- Use written clinic quotes because base-cycle fees often exclude medication, ICSI, PGT-A, freezing and storage.
US comparison next step
Compare the full IVF cost, not just the advertised cycle price
- Medication, scans, ICSI, embryo freezing and storage may be extra.
- Some clinics advertise lower base prices but higher add-ons.
- Success-rate context matters alongside price.
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State visitors usually need to move between cost, clinics, insurance, nearby states and payment routes before contacting a clinic.
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IVF cost breakdown in Illinois
These figures separate published local prices from modelled estimates. Clinic quotes can change materially once medication dose, embryo testing and transfer plans are known.
| Cost item | Estimate | Basis |
|---|---|---|
| Base IVF cycle | $13,600 | Median published local clinic price |
| Medication | $5,000 | Local median where available, otherwise national benchmark |
| Common add-ons | $5,000 | ICSI, PGT-A risk, freezing, storage and lab extras |
| Likely self-pay cycle | $18,600-$27,100 | Base cycle plus medication and likely extras |
| Typical cost to a baby | $45,788 | TreatCompare multi-cycle affordability model |
Fertility clinics in Illinois
Illinois has 21 CDC-reporting clinics. The table below shows the largest reporting clinics by cycle volume.
| Clinic | City | Cycles | Live birth, under 35 | Base price |
|---|---|---|---|---|
| Fertility Centers of Illinois-River North IVF | Chicago | 3,918 | 50% | — |
| Kindbody-Chicago West Loop Kindbody | Chicago | 3,427 | 38% | — |
| Northwestern Fertility and Reproductive Medicine Northwestern Medicine | Chicago | 3,202 | 44% | — |
| Advanced Fertility Center of Chicago | Gurnee | 2,031 | 62% | $13,200 |
| Institute for Human Reproduction (IHR) | Chicago | 1,585 | 44% | — |
| Reproductive Medicine Institute | Oak Brook | 1,436 | 38% | — |
| Fertility Centers of Illinois-Highland Park IVF Center | Highland Park | 1,227 | 51% | — |
| InVia Fertility Specialists | Hoffman Estates | 1,173 | 55% | — |
Insurance and out-of-pocket risk in Illinois
Illinois has a full IVF mandate. It lists up to 4 egg retrievals. Self-insured employer plans are usually outside state mandate rules.
Metro clinic pages
Illinois IVF FAQs
How much does IVF cost in Illinois?
Among 2 Illinois clinics with public pricing, the median published base IVF cycle is $13,600. A realistic self-pay cycle can be higher once medication, ICSI, PGT-A, embryo freezing, storage and transfer costs are included.
Does Illinois require insurance to cover IVF?
Illinois has a full IVF mandate. It lists up to 4 egg retrievals. Self-insured employer plans are usually outside state mandate rules.
How many fertility clinics are in Illinois?
Illinois has 21 CDC-reporting fertility clinics in the TreatCompare dataset. Compare clinic outcomes by age band and cycle volume before judging cost alone.
What should I compare before choosing an IVF clinic in Illinois?
Compare the full expected cost, not just the base cycle price. Ask what is included for medication, monitoring, ICSI, PGT-A, embryo freezing, frozen embryo transfer, storage, anesthesia, lab fees and follow-up.
Are IVF payment plans available in Illinois?
Some clinics and third-party finance providers offer monthly payment plans, multi-cycle packages or refund programs. Compare APR, total repayment, eligibility rules and excluded services before using finance.
Sources and updates
How this page is sourced
Sources
- CDC ART clinic reporting dataset
- Published fertility clinic price pages captured in TreatCompare pricing data
- Illinois IVF insurance mandate research
- TreatCompare state affordability and out-of-pocket cost model
Methodology: We combine CDC clinic records, public clinic pricing where available, state insurance mandate records and affordability modelling. Published prices are treated as base-cycle figures unless the clinic states otherwise.
Caveat: This page is for cost comparison and planning. It is not medical, legal or insurance advice.
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