How Much Does IVF (In Vitro Fertilization) Cost?
In vitro fertilization (IVF) is an assisted reproductive technology where eggs are retrieved, fertilized with sperm in a laboratory, and the resulting embryo is transferred to the uterus. Medicare does not cover IVF.
Without Insurance
$15,000
With Insurance
$5,000
Medicare
$0
National Average
$6,667
Cost by State
| State | Without Insurance | With Insurance | Medicare |
|---|---|---|---|
| Mississippi | $10,950 | $3,650 | $0 |
| Arkansas | $11,250 | $3,750 | $0 |
| West Virginia | $11,250 | $3,750 | $0 |
| Alabama | $11,700 | $3,900 | $0 |
| Oklahoma | $11,700 | $3,900 | $0 |
| Kentucky | $12,750 | $4,250 | $0 |
| Louisiana | $12,900 | $4,300 | $0 |
| Iowa | $13,200 | $4,400 | $0 |
| New Mexico | $13,200 | $4,400 | $0 |
| South Carolina | $13,200 | $4,400 | $0 |
| South Dakota | $13,200 | $4,400 | $0 |
| Kansas | $13,350 | $4,450 | $0 |
| North Dakota | $13,350 | $4,450 | $0 |
| Idaho | $13,500 | $4,500 | $0 |
| Nebraska | $13,500 | $4,500 | $0 |
| Tennessee | $13,500 | $4,500 | $0 |
| Indiana | $13,950 | $4,650 | $0 |
| Missouri | $13,950 | $4,650 | $0 |
| Utah | $13,950 | $4,650 | $0 |
| Wyoming | $13,950 | $4,650 | $0 |
| Georgia | $14,100 | $4,700 | $0 |
| North Carolina | $14,100 | $4,700 | $0 |
| Michigan | $14,250 | $4,750 | $0 |
| Montana | $14,250 | $4,750 | $0 |
| Arizona | $14,700 | $4,900 | $0 |
| Ohio | $14,700 | $4,900 | $0 |
| Wisconsin | $14,700 | $4,900 | $0 |
| Maine | $14,850 | $4,950 | $0 |
| Texas | $14,850 | $4,950 | $0 |
| Florida | $15,150 | $5,050 | $0 |
| Minnesota | $15,150 | $5,050 | $0 |
| Illinois | $15,450 | $5,150 | $0 |
| Pennsylvania | $15,450 | $5,150 | $0 |
| Delaware | $15,600 | $5,200 | $0 |
| Nevada | $15,600 | $5,200 | $0 |
| Vermont | $15,600 | $5,200 | $0 |
| Virginia | $15,600 | $5,200 | $0 |
| Colorado | $15,900 | $5,300 | $0 |
| New Hampshire | $15,900 | $5,300 | $0 |
| Oregon | $15,900 | $5,300 | $0 |
| Maryland | $16,500 | $5,500 | $0 |
| Rhode Island | $16,650 | $5,550 | $0 |
| Washington | $16,650 | $5,550 | $0 |
| Connecticut | $18,000 | $6,000 | $0 |
| New Jersey | $18,000 | $6,000 | $0 |
| California | $19,800 | $6,600 | $0 |
| Massachusetts | $19,950 | $6,650 | $0 |
| Alaska | $20,250 | $6,750 | $0 |
| New York | $20,250 | $6,750 | $0 |
| Hawaii | $20,700 | $6,900 | $0 |
Frequently Asked Questions
How much does ivf (in vitro fertilization) cost without insurance?
The average cost of ivf (in vitro fertilization) without insurance in the United States is $15,000. Costs vary significantly by state.
Does insurance cover ivf (in vitro fertilization)?
Most health insurance plans cover ivf (in vitro fertilization) when medically necessary. With insurance, the average out-of-pocket cost is $5,000.
Does Medicare cover ivf (in vitro fertilization)?
Medicare Part B typically covers ivf (in vitro fertilization) when ordered by a doctor. The average Medicare-approved amount is $0.
Data sourced from American Society for Reproductive Medicine (ASRM) 2025. Last updated: 2026-03-01. This information is for educational purposes only and does not constitute medical advice. This website is for informational purposes only and does not constitute medical advice. Always consult a qualified healthcare professional.