Costs and financing
What fertility care costs, in writing
Fertility care is expensive, and you deserve to see the numbers before you fall in love with a plan. Here are our self-pay ranges, a budget planner, and every way we can help you pay.
- Written estimate before any treatment
- Benefits checked before your first visit
- No package deadlines, ever
Price list
Self-pay ranges, 2026
Ranges are before medicine and insurance. Medicine is paid at a specialty pharmacy and depends on your dose. Each treatment page lists every line.
| Treatment | Range |
|---|---|
| New patient consult | $300 to $450 |
| Fertility assessment testing | $1,000 to $2,150 |
| IUI cycle (before medicine) | $600 to $1,200 |
| IVF cycle (before medicine) | $14,000 to $19,000 |
| Frozen embryo transfer | $3,500 to $5,500 |
| Egg freezing cycle (before medicine) | $8,500 to $12,000 |
| Frozen donor egg cycle | $22,000 to $32,000 |
| Preservation cycle for cancer patients | $6,000 to $9,000 |
Budget planner
Plan a rough budget before you call
Pick a path and any extras. You get a self-pay planning range with every line shown. It is not a quote, and insurance may lower it a lot.
Planning range
$17,000 to $26,000
- Self-pay planning ranges in US dollars for 2026. Not a quote.
- Medicine depends on your dose and pharmacy, so its range is wide.
- Insurance, employer benefits, and assistance programs can lower your share a lot.
- Your written estimate after your consult replaces this number.
Insurance
What insurance usually covers
Coverage varies a lot from plan to plan. This is a general picture. We check your real benefits before your first visit.
Often covered
- First consult
- Diagnostic bloodwork and ultrasound
- Tube check and semen analysis
Sometimes covered
- IUI cycles
- Fertility medicine
- Preservation before cancer treatment
Less often covered
- IVF cycles
- Egg freezing for planning ahead
- Donor and carrier fees
Ways to pay
Financing, without the pressure
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Insurance check before your first visit
Send us your insurance card and Marisol checks your benefits before your consult. Many plans cover testing even when they do not cover treatment. Minnesota plans differ a lot, so we always check.
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Monthly payment plans
We work with outside lenders that offer fertility loans with monthly payments. You apply directly with them. We never push a loan, and we will tell you if paying another way costs less.
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Two-cycle IVF plan
Pay for two IVF retrievals up front at a lower combined price. If you do not need the second one, the unused part is refunded, minus the cost of any monitoring already done.
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HSA and FSA
Most fertility testing and treatment can be paid with HSA or FSA funds. Check your plan's rules. We provide itemized receipts for every visit.
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Employer fertility benefits
More employers now offer fertility benefits through a separate benefits company. Tell us who yours is and we will handle the paperwork with them.
Questions about money are welcome, any time. Marisol, our financial counselor, can walk you through your estimate line by line.
Start your journey
Get your real number, in writing.
Your written estimate comes after your first consult, with your benefits already checked. You sign nothing until every line makes sense.
No referral needed. In person or virtual first consults.