US IVF state guide
How Much Does IVF Cost in Tennessee? 2026 Prices, Clinics & Insurance
IVF in Tennessee costs a median of $13,120 for the base cycle among 2 clinics with public pricing. A realistic self-pay cycle including medication and common add-ons ranges $16,120–$24,620. This page compares 7 CDC-reporting Tennessee clinics on price, success rates, and the state insurance mandate rules.
Also looking at IUI? IUI in Tennessee 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 7 Tennessee CDC-reporting clinics with outcome and price context.
Quick answer
Updated May 2026Tennessee has 7 CDC-reporting fertility clinics, and 2 publish a base IVF cycle price. The median published base cycle is $13,120, before medication and common lab add-ons.
- Tennessee has no state IVF insurance mandate. Patients usually need to check employer benefits, fertility riders, clinic payment plans or self-pay pricing.
- Estimated out-of-pocket model: $45,284 (severely strained).
- 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 Tennessee
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 | $13,120 | Median published local clinic price |
| Medication | $3,000 | 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 | $16,120-$24,620 | Base cycle plus medication and likely extras |
| Typical cost to a baby | $45,284 | TreatCompare multi-cycle affordability model |
Fertility clinics in Tennessee
Tennessee has 7 CDC-reporting clinics. The table below shows the largest reporting clinics by cycle volume.
| Clinic | City | Cycles | Live birth, under 35 | Base price |
|---|---|---|---|---|
| Nashville Fertility Center | Nashville | 1,590 | 46% | $14,240 |
| Kutteh Ke Fertility Associates of Memphis, PLLC | Memphis | 938 | 64% | — |
| Tennessee Fertility Institute | Franklin | 676 | 57% | — |
| Tennessee Reproductive Medicine | Chattanooga | 575 | 46% | — |
| Southeastern Center for Fertility and Reproductive Surgery, PLLC | Knoxville | 468 | 41% | $12,000 |
| Fertility Center, LLC | Chattanooga | 385 | 49% | — |
| Quillen Fertility & Women's Services | Johnson City | 43 | 0% | — |
Insurance and out-of-pocket risk in Tennessee
Tennessee has no state IVF insurance mandate. Patients usually need to check employer benefits, fertility riders, clinic payment plans or self-pay pricing.
Nearby state comparisons
Tennessee IVF FAQs
How much does IVF cost in Tennessee?
Among 2 Tennessee clinics with public pricing, the median published base IVF cycle is $13,120. A realistic self-pay cycle can be higher once medication, ICSI, PGT-A, embryo freezing, storage and transfer costs are included.
Does Tennessee require insurance to cover IVF?
Tennessee has no state IVF insurance mandate. Patients usually need to check employer benefits, fertility riders, clinic payment plans or self-pay pricing.
How many fertility clinics are in Tennessee?
Tennessee has 7 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 Tennessee?
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 Tennessee?
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
- Tennessee 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.
Use Tennessee data with US IVF tools
Move from headline IVF prices to total cost, clinic outcomes, state rules and payment options.