How much does IVF cost? What published sources say

These are general statements, not quotes for any clinic and not a prediction of what you will pay. Prices vary by clinic, region, protocol and year. Figures are shown as published on the dates above.

• Which items are inside the quoted cycle price (monitoring visits, retrieval, lab work, embryo transfer, anesthesia) and which are billed separately?
• Are medications included, billed through an in-house pharmacy, or bought elsewhere, and who estimates the dose?
• Are ICSI, genetic testing and embryo freezing or storage priced separately?
• What happens financially if a cycle is cancelled or no embryo reaches transfer?
• Does the clinic offer written multi-cycle or refund programs, and what are the conditions?

General questions that apply to every treatment:

• What is included in a written cycle quote — monitoring, retrieval, transfer, anesthesia?
• How are medications billed — included, in-house pharmacy, or outside?
• What happens financially if a cycle is cancelled or does not result in a transfer?
• Are storage, genetic testing, and donor services priced separately?
• Which fees are due before stimulation starts?

We do not have a sourced state-by-state or city-by-city price dataset, so we do not publish one. What we can show is which clinics are listed near you and where to check your state's insurance rules. Start with the state with the most listings or search the full directory.