How Much Does IVF (In Vitro Fertilization) Cost in New Jersey?
The average cost of ivf (in vitro fertilization) in New Jersey is $18,000 without insurance. With insurance, you can expect to pay around $6,000 — saving 67%.
Without Insurance
$18,000
With Insurance
$6,000
Medicare
$0
National Average
$6,667
Cost by City
| City | Without Insurance | With Insurance | Medicare |
|---|---|---|---|
| Newark | $18,720 | $6,240 | $0 |
| Jersey City | $18,540 | $6,180 | $0 |
| Trenton | $17,280 | $5,760 | $0 |
Nearby States
How to Save
- 1. Ask for the cash/self-pay price — often 40-60% less than the billed price.
- 2. Compare prices between hospitals and freestanding centers.
- 3. Check if your insurance covers the procedure and what your copay will be.
- 4. Ask about payment plans or financial assistance programs.
- 5. Consider nearby states — prices can vary significantly across state lines.
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.