Fertility Treatment Costs – Breaking Down the Real Numbers

Fertility treatments can be life-changing, but they also represent a significant financial investment. Understanding the real costs of treatments like IUI, IVF, donor eggs, and surrogacy can help families make informed decisions.

Cost of IUI (Intrauterine Insemination)

IUI is typically the most affordable treatment option:

• Basic IUI: $500–$1,000 per cycle
• With fertility medications: $2,000–$4,000 per cycle

Success rates per cycle range from 10–20%.

Cost of IVF (In Vitro Fertilization)

IVF is more complex and costly:

• IVF cycle: $12,000–$18,000 (without medications)
• Medications: $3,000–$7,000

Total: $15,000–$25,000 per cycle
Additional costs may include genetic testing and embryo freezing.

Cost of Donor Eggs

Using donor eggs increases costs:

• Fresh donor eggs: $25,000–$40,000
• Frozen donor eggs: $15,000–$25,000

These costs include donor compensation, screening, retrieval, and egg bank fees.

Cost of Surrogacy

Surrogacy is the most expensive pathway:

• U.S. surrogacy: $100,000–$150,000+
• Canada (altruistic surrogacy): $80,000–$100,000

This includes surrogate compensation, agency fees, legal costs, and medical procedures.

Other Considerations

Insurance Coverage : Some states mandate partial coverage, but most families pay out-of-pocket.

Financing Options : Payment plans and fertility loans are available.

Employer Benefits : More companies now include fertility coverage as part of healthcare plans.

Patient Story

Rachel and David spent nearly $50,000 over three IVF cycles before achieving success. They emphasized the importance of financial planning and selecting a clinic that offered transparency. Rachel shared: “Having clear numbers upfront helped us make realistic choices.”

FAQs

Q: Is IVF tax-deductible?

Ans : Yes, in many cases fertility treatment costs qualify as medical expenses.

Q : Can I use insurance for donor eggs or surrogacy?

Ans : Rarely. Most insurance covers only IVF basics.

Q: How many IVF cycles do most families need?

Ans : On average, 2–3 cycles are common before success.

Conclusion

Fertility treatment costs vary widely, but transparency helps families prepare. At Surrogacy4All, we offer physician-led care with clear financial breakdowns and options like the Guaranteed Embryos Program to improve value and outcomes.

Learn more about egg donor and embryo programs at Click here | Contact info@surrogacy4all.com | Call 1-212-661-7177