Chi Phí Thụ tinh trong ống nghiệm (IVF) Là Bao Nhiêu?
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.
Không Bảo Hiểm
$15,000
Có Bảo Hiểm
$5,000
Medicare
$0
Trung Bình Quốc Gia
$6,667
By Elena Bellini, MPH, Health Policy & Management · Last reviewed 2026-04-21 ·
Sources: American Society for Reproductive Medicine (ASRM) 2025 · Methodology · Editorial standards Tổng quan
In vitro fertilization (IVF) is an assisted reproductive technology in which ovarian follicles are stimulated with injectable hormones, mature eggs are retrieved under transvaginal ultrasound guidance, eggs are fertilized with sperm in the lab, and one or more resulting embryos are transferred to the uterus (fresh or frozen). A single cycle takes roughly 4 to 8 weeks of monitoring, medications, and procedures. The quoted base cycle fee typically covers monitoring ultrasounds and labs, the egg retrieval, anesthesia, laboratory fertilization, embryo culture, and one fresh or frozen transfer — but almost never includes the stimulation medications, which are a large separate cost. Add-ons that stack on top include ICSI (intracytoplasmic sperm injection) for male factor issues, preimplantation genetic testing (PGT-A/PGT-M), embryo freezing (cryopreservation), long-term storage fees, donor eggs or donor sperm, and gestational-surrogate arrangements. Because success rates are age-dependent and cycle-dependent, most patients budget for more than one cycle.
Yếu tố ảnh hưởng đến chi phí
- Medications: injectable gonadotropins are a large separate cost that can rival or exceed the base cycle fee and are usually not bundled into the clinic quote.
- Add-on procedures: ICSI, preimplantation genetic testing (PGT), and assisted hatching each carry their own fees on top of the cycle.
- Freezing and storage: cryopreservation of embryos and annual storage fees add ongoing cost beyond the initial cycle.
- Donor or surrogacy services: using donor eggs, donor sperm, or a gestational carrier multiplies total cost substantially.
- Number of cycles: many patients require 2-3 cycles to achieve a live birth; budgeting for a single cycle underestimates actual spend.
- State coverage mandates: a growing number of states require insurance to cover IVF for eligible patients, which dramatically shifts out-of-pocket exposure.
Cách Tiết Kiệm
- Check state insurance mandates — roughly 20 states require some level of fertility or IVF coverage for eligible plans, and employer size determines whether the mandate applies.
- Ask your employer whether they offer a fertility benefit (programs through companies like Progyny, Carrot, or Maven are increasingly common).
- Look for clinic-level multi-cycle discount packages or shared-risk (money-back) programs if multiple cycles are likely.
- Ask about specialty-pharmacy patient assistance programs for fertility medications; discount programs exist for many gonadotropins.
- Consider a minimal-stimulation (mini-IVF) or natural-cycle protocol if clinically appropriate — significantly lower medication cost.
- Use HSA or FSA dollars for IVF expenses; contributions to a dedicated HSA during planning years can offset a meaningful share.
Ghi chú về bảo hiểm và phạm vi bảo hiểm
Coverage for IVF is highly variable. A growing set of states (including Massachusetts, Illinois, New York, New Jersey, and others) mandate IVF coverage by commercial insurers, with specific eligibility criteria around age, diagnosis, and prior treatment. Outside those mandates, IVF is often a benefit only if the employer has chosen to include it — increasingly common at large employers. Original Medicare does not cover IVF. Medicaid coverage for IVF is rare. Medications are usually billed under pharmacy benefits (if any), and coverage may differ from the IVF procedure itself. Many patients finance IVF through fertility-specific lenders or use HSA and FSA funds.
Data sources for this page
Cost figures on this page are compiled from the following sources, triangulated per the rules in our methodology:
- American Society for Reproductive Medicine (ASRM) 2025 — primary CMS reference used as the Medicare-rate anchor.
- Hospital Price Transparency machine-readable files (HPT MRFs) from a sample of major hospitals in each state, per the federal Hospital Price Transparency rule.
- Transparency in Coverage payer in-network rate files for commercial-rate cross-validation.
- State All-Payer Claims Database (APCD) summaries where published (Colorado, New Hampshire, Massachusetts, Minnesota, Maine, Utah, Vermont, Rhode Island, Washington, Oregon).
Last reviewed 2026-04-21. See editorial standards for our fact-checking process and correction policy.
Range: $10,950 to $20,700 · 50 states shown
Chi Phí Theo Tiểu Bang
| Tiểu Bang | Không Bảo Hiểm | Có Bảo Hiểm | 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 |
Câu Hỏi Thường Gặp
Chi phí thụ tinh trong ống nghiệm (ivf) không bảo hiểm là bao nhiêu?
Chi phí trung bình của thụ tinh trong ống nghiệm (ivf) không bảo hiểm tại Hoa Kỳ là $15,000. Chi phí khác nhau đáng kể theo tiểu bang.
Bảo hiểm có chi trả thụ tinh trong ống nghiệm (ivf) không?
Hầu hết các gói bảo hiểm y tế chi trả thụ tinh trong ống nghiệm (ivf) khi cần thiết về mặt y tế. Với bảo hiểm, chi phí tự trả trung bình là $5,000.
Medicare có chi trả thụ tinh trong ống nghiệm (ivf) không?
Medicare Part B thường chi trả thụ tinh trong ống nghiệm (ivf) khi có chỉ định của bác sĩ. Số tiền Medicare phê duyệt trung bình là $0.
Được xem xét bởi Elena Bellini · Xem xét lần cuối: 2026-04-21
Dữ liệu từ American Society for Reproductive Medicine (ASRM) 2025. Cập nhật lần cuối: 2026-03-01. Thông tin này chỉ mang tính giáo dục và không phải lời khuyên y tế. Trang web này chỉ mang tính chất thông tin và không cấu thành lời khuyên y tế. Luôn tham khảo ý kiến chuyên gia y tế có trình độ.