IVF Cost Estimator
San Francisco Bay Area · New York City · Los Angeles · Seattle · Toronto
If you are comparing clinics at midnight or explaining costs to parents who think insurance covers everything, start with published ranges, not forum guesses. These numbers are educational estimates from ASRM, clinic fee pages, and market datasets. Your financial navigator at the clinic beats any website.
IVF pricing is deliberately opaque. A base cycle quote rarely includes medications, anesthesia, genetic testing, or storage. Diaspora couples often juggle HSA balances, parental gifts with strings attached, and relatives who ask why you are "spending so much" when someone they know got pregnant naturally at 42.
Use this hub to set a realistic budget band, then open a metro page if you are deciding between clinics in the Bay Area, New York, Los Angeles, Seattle, or Toronto. Pair numbers with our guide on IVF and family pressure when the bill becomes a morality lecture at dinner.
Why this tool exists for our readers
Many Asian and multicultural families treat fertility as a private shame until it becomes a public expense. You may be cash-paying on a visa, splitting costs with siblings abroad, or explaining CAD versus USD to in-laws who watch U.S. medical dramas. We cite clinic pages and society data so you can bring a printout to HR or to the family group chat.
U.S. national baseline
ASRM cites an average IVF cycle of $12,400 excluding medications and embryo genetic testing. With meds and add-ons, GoodRx (2025) reports $15,000–$30,000+ per cycle. Pew Research Center notes about 2% of U.S. women ages 15–44 have used IVF among those who accessed fertility services.
Source: American Society for Reproductive Medicine (via GoodRx, 2025)
Build your cycle estimate
Select a metro and typical add-ons for a one-cycle cash budget range. Adjust insurance only if you already confirmed coverage with HR.
Estimated one-cycle range (New York City)
$26,600–$40,500
- Baseline all-in range for New York City from published clinic and market sources on our metro page.
- Add-ons use typical U.S. line-item ranges unless your metro page notes otherwise.
How to use these estimates
Treat the metro comparison table as a sanity check, not a contract. Clinics within the same city can differ by thousands on the same protocol. Ask for an itemized quote that lists monitoring, retrieval, lab, transfer, meds, and optional add-ons separately.
If insurance might apply, call member services before you emotionally commit to a calendar. State mandates help some fully insured employees in California and New York and still exclude many self-funded employer plans. Washington has no IVF mandate; Ontario has a funded program with eligibility caps.
Metro comparison
| Metro | Typical all-in cash range (1 cycle) | Insurance / funding context |
|---|---|---|
| U.S. national | $15,000–$30,000+ USD | Varies by state mandate and employer plan type |
| Los Angeles | $25,000–$30,000+ USD | CA large-group mandate; FertilityIQ highest among 8 metros cited |
| San Francisco Bay Area | $21,000–$30,000+ USD | CA large-group mandate expanding; ERISA often exempt |
| Seattle | $20,000–$30,000+ USD | No WA state IVF mandate; employer benefits vary |
| New York City | $24,000–$32,000+ USD | NY mandate for qualifying group plans; many gaps remain |
| Toronto (private pay) | $18,500–$23,500+ CAD | OFP: 1 funded cycle if eligible; OFTTC tax credit from 2025 |
| Boston (reference) | ~$20,010 USD avg total (FertilityIQ via GoodRx) | MA mandate history; verify current plan |
U.S.: GoodRx/ASRM (2025), UCSF, TreatCompare, RMA Seattle, FertilityIQ. Canada: TRIO/Hannam/Pollin clinic pages (CAD). Not your clinic quote.
City detail pages
San Francisco Bay Area
UCSF-published cash range and California mandate notes
New York City
Disclosed clinic pricing and NY insurance law context
Los Angeles
FertilityIQ LA averages and California insurance context
Seattle
Puget Sound clinic ranges; Washington has no IVF mandate
Toronto
Ontario Fertility Program plus private-pay CAD ranges
What stacks on top of the base cycle
| Line item | Typical U.S. range | Often included in base quote? |
|---|---|---|
| IVF cycle (monitoring, retrieval, lab, transfer) | $12,000–$18,000 base | Sometimes partial |
| Fertility medications | $2,000–$7,000+ | Usually extra |
| Anesthesia for retrieval | $500–$1,500 | Often extra |
| ICSI (single sperm injection) | $1,500–$3,000 | Extra if needed |
| PGT-A embryo genetic testing | $3,000–$6,000 | Extra |
| Embryo freezing + first-year storage | $800–$1,500+ | Extra |
| Additional transfer (FET) | $4,000–$7,500 | Extra cycle |
Ranges synthesized from ASRM/GoodRx (2025), UCSF Center for Reproductive Health published fee tables, and TreatCompare disclosed clinic pricing. Your clinic quote is authoritative.
Questions for your clinic and HR
- Is infertility diagnosis covered, or only treatment after diagnosis?
- Are medications billed through medical or pharmacy benefits?
- Is ICSI, PGT-A, or embryo storage covered or excluded?
- Do we hit a lifetime maximum or cycle cap?
- Is our plan self-funded (ERISA)? State mandates may not apply.
- Do we need prior authorization before starting stimulation?
Compare clinic outcomes (not just price) with the CDC IVF Success Estimator. For family pressure while in treatment, read our guide on IVF and family pressure. Planning on a visa timeline? See having a baby while on a visa or green-card wait. For family pressure while deciding, see The Third Person in the Room.