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Fertility Pricing Made Simple
At NYU Langone Reproductive Specialists of New York (RSNY), we understand that the financial side of fertility care is just as important as the emotional and medical sides. With more than 5,500 babies born and 1,000 fertility treatment cycles completed each year, we not only bring clinical expertise, but clear, upfront pricing about fertility costs and one-on-one financial guidance so you can focus on what matters most: building your family.
Whether you're pursuing IVF, IUI, or egg freezing, we're proud to help patients across Brooklyn, Long Island, and Queens, New York, at every step.
Our Expert Team is Here for You
Navigating fertility costs can be stressful, but you don't have to go through the experience alone. At NYU Langone RSNY, we're here to make the process as smooth and seamless as possible with dedicated Patient Financial Specialists who will help you make sense of it all. They will help you:
- Verify and Maximize Insurance Benefits Directly: Insurance can be confusing. That's why we work with your insurance provider to clarify what's covered and what's not right from the start. We also partner with several major insurance carriers, like Aetna, Cigna, and United Healthcare, plus fertility benefits programs to help you figure out the best course of action for your circumstances.
- Understand Fertility Care Insurance Coverage: Navigating the complexities of fertility insurance can be complicated, but we're here to make it easier. Our team will help you understand your plan and ensure you clearly understand which services, such as IVF, IUI, or cryo storage, are included in your benefits and uncover any hidden benefits, so you can maximize the value of your plan. Our goal is to replace confusion with clarity so you can move forward with confidence.
- Choose the Best Financing & Payment Options: If your insurance plan doesn't cover everything (or anything), our team will walk you through flexible payment plans and financing options to help make the process more manageable. These programs may allow for payment plans, loans, and other types of options to help make your goal of parenthood a reality.
Everyone’s fertility care and path to parenthood is unique, depending on your specific insurance plan, the type of fertility benefits you have, the type of procedure or medications you require, and so much more. Throughout this process, our caring, knowledgeable team will be by your side to review the costs of your treatment and help you understand your insurance coverage and payment/financing solutions.
The costs below are intended as a guide for patients paying out‐of‐pocket. Our team at NYU Langone Reproductive Specialists of New York will work closely with you to identify possible coverage and alternative financing options to meet your needs.
IVF Costs
Understanding all the potential costs involved with in-vitro fertilization (IVF), whether you're exploring it with preimplantation genetic testing (PGT) or without, is a key step in planning your fertility journey. At NYU Langone RSNY, we aim to make this process as transparent as possible.
IVF Costs
$15,450 – $18,700, plus lab fees starting at $2,300
(Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, insemination, embryo culture, embryo biopsy, cryopreservation of embryos, and 1 year of storage)
$14,050
(Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, insemination, embryo culture, cryopreservation of embryos, and 1 year of storage)
How much does IVF cost in New York?
The cost of IVF in New York can vary depending on factors such as whether you choose genetic testing (PGT), your medication protocol, any donor components needed, any additional testing or procedures you may require, and lab/add-on services. In New York, the baseline cycle of IVF without PGT costs $14,050, while a cycle of IVF with PGT starts around $15,450, with associated lab work adding several thousand more. Medications and additional services are not included in these estimates and may significantly increase the total out-of-pocket cost.
For personalized estimates and to learn more about available financing options, please reach out to our Financial Specialists.
For more details on IVF costs and related questions, see our FAQ below ↓
Egg Freezing Costs
Egg freezing allows women to preserve their fertility and plan for the future. We’re committed to providing transparent pricing and clearly explaining all costs involved in the process.
Egg Freezing Costs
$7,770
(Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, cryopreservation of retrieved oocytes, and 1 year of storage)
How much does egg freezing cost in New York?
Egg freezing costs in New York start at $7,770, and the total cost will depend on the medications you require, the number of stimulation days, retrieval, storage fees, and future thaw/transfer procedures. Your Financial Specialist will provide a personalized estimate based on your plan.
For more details on egg freezing costs and related questions, see our FAQ below ↓
IUI Costs
If you’re exploring a less invasive, more affordable fertility option, intrauterine insemination (IUI) may be on your mind. This is where the sperm is placed directly into the uterus during ovulation to increase the chances of becoming pregnant. Here’s a breakdown of the costs associated with IUI:
IUI Costs
$1,250 – $2,250
(Inclusive of ultrasounds, sperm wash, and insemination)
How much does IUI cost in New York?
Though typically more affordable than other fertility treatments, the cost of IUI treatment in New York can range widely depending on whether you take fertility medications, use donor sperm, or require bloodwork or other tests. On average, IUI typically costs between $1,250 to $2,250.
For more details on IUI costs and related questions, see our FAQ below ↓
FET Costs
Frozen embryo transfer (FET) is a vital part of many fertility treatment plans, particularly for those who have undergone IVF and are using frozen embryos. Our FET services are inclusive of ultrasound monitoring, embryo thaw and prep, and embryo transfer.
FET Costs
Starts at $5,500
How much does FET cost in New York?
The cost of FET in New York typically starts at $5,500, depending on the specifics of the treatment plan. This cost includes the procedure to thaw and transfer the embryos, but does not cover additional expenses like medications, which may vary based on individual needs.
For more details on FET costs and related questions, see our FAQ below ↓
What Affects the Cost of Fertility Treatment?
The cost of fertility treatments can vary widely based on several important factors. Understanding these elements will help you make informed decisions about your care and anticipate expenses throughout your fertility journey.
- Type of Treatment: Whether you're undergoing IVF, IUI, egg freezing, or embryo transfer, the costs associated with each treatment differ. For example, IVF typically involves more extensive procedures and medications than IUI, which can affect the overall cost.
- Number of Cycles Recommended: Some patients may need more than one cycle to achieve their desired outcome. The number of cycles required, whether for IVF, egg freezing, or IUI, will directly influence the total cost of treatment.
- Fertility Medications: Many patients undergo multiple rounds of IVF or egg freezing to achieve their family-building goals. Medications used for ovarian stimulation, egg retrieval, and embryo preparation can represent a significant portion of the total cost. The type and amount of medication prescribed vary based on each patient’s individual needs, which can influence the overall price.
- fertilityrsny.org/donor-eggs%20test:Use%20of%20Donor%20Eggs, Donor Sperm, or Gestational Carrier: If donor eggs, sperm, or a gestational carrier are required, the cost of these services will add to the overall treatment cost. These options are often necessary in cases of infertility or specific medical conditions.
- Lab Services and Add-ons: Advanced techniques such as preimplantation genetic testing (PGT) or embryo storage can also contribute to the cost. While these services can increase the chances of successful treatment, they also add additional fees.
- Insurance Coverage vs. Out-of-Pocket Costs: The extent of insurance coverage can greatly impact how much you pay out of pocket. Some insurance plans may cover part of the treatment, while others may not. If you're paying out-of-pocket, you'll need to account for all treatment, medication, and lab service costs.
At NYU Langone RSNY, we are committed to ensuring that our patients have a clear understanding of all cost factors from the outset. Our financial counselors will work with you to review your treatment plan and discuss payment options, insurance, and financing to make the process as straightforward as possible.
Fertility Treatment Cost FAQs
Whether IVF is covered by insurance in New York depends on your specific insurance plan. Some insurance plans may cover most — or even all — of the treatment, while others provide limited or no coverage.
In New York State, a January 2020 mandate required large-group insurance plans (a group of more than 100 employees) to cover the diagnosis and treatment of infertility, including up to three IVF cycles using fresh or frozen embryo transfer. However, self-insured employers are exempt from this requirement, as are public programs such as Medicare and Medicaid. In certain cases, coverage may apply when IVF is deemed medically necessary for reasons other than infertility. It’s important to review your individual policy carefully and contact your insurance provider or HR department to confirm your benefits.
At NYU Langone RSNY, our Financial Specialists are here to help you verify your insurance coverage, maximize any available fertility benefits, and explore financing options to make treatment as accessible as possible.
Insurance coverage for egg freezing depends on the reason (medical necessity vs. elective) and your individual plan. New York State mandates fertility preservation coverage for individuals at risk of infertility due to medical treatments. At NYU Langone RSNY, our Financial Specialists are here to help you understand your benefits and financing options if needed.
To find out if you have fertility insurance coverage, start by contacting your human resources department or calling the customer service number on the back of your insurance card. Ask about benefits related to fertility treatments such as IVF, IUI, or egg freezing. Your insurance provider can explain what services are covered, any exclusions that apply, and what your potential out-of-pocket costs may be.
Yes, many fertility-related expenses are eligible for payment using Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA). This can include treatment costs, medications, and procedures, but plan rules vary, so it is best to confirm with your plan administrator.
The cost of an IVF cycle generally includes the following:
- Initial consultations and diagnostic testing: Assessing your fertility health and determining the right treatment plan.
- Egg retrieval: The procedure to collect eggs for fertilization.
- Fertilization: The process of combining eggs and sperm in the lab.
- Embryo culture and monitoring: The process of growing embryos in the lab.
Medications for ovarian stimulation are typically not included in the base cost and can add a significant amount to the overall price. Additional services that may impact the final cost include ICSI (intracytoplasmic sperm injection), PGT, embryo freezing or storage, and other specialized services.
Yes, using donor eggs, sperm, or embryos leads to additional costs for donor sourcing, screening, legal/administrative processing, and additional medical procedures. These are typically not included in the published baseline cycle fees.
Yes, patient financing programs are available to help you cover the costs involved with IVF, IUI, egg freezing, genetic testing, egg and sperm donation, and other treatments. At NYU Langone RSNY, we partner with BUNDL to offer payment plan support so you can spread out costs or bundle multiple cycles.
The number of IVF cycles required to achieve pregnancy can vary greatly from person to person. Some may conceive after one or two cycles, while others may need several attempts. Because each cycle incurs its own fees, multiple cycles can increase overall costs. Our dedicated Financial Specialists are available to help you understand expenses, confirm insurance coverage, and explore financing options.
Advanced technologies such as intracytoplasmic sperm injection (ICSI), preimplantation genetic testing (PGT), and assisted hatching can increase the cost of fertility treatment. ICSI is used to inject a single sperm into an egg, often recommended for male infertility. PGT involves screening embryos for genetic disorders before implantation. Assisted hatching helps embryos implant in the uterus. While these technologies can improve success rates, they also add to the overall cost of treatment.
The cost of fertility medications can significantly impact the overall cost of IVF and IUI treatments. Medications stimulate the ovaries to produce multiple eggs, increasing the chances of successful fertilization. Estimating the cost of fertility medications is challenging because every patient's needs are different, and the required dosage can vary.
At NYU Langone RSNY, you’ll meet with our billing/financial team after your physician recommends a treatment plan.
If you have questions about costs, financing, insurance coverage, or anything else related to your fertility journey, don’t hesitate to reach out to NYU Langone Reproductive Specialists of New York. We’re here to guide you, answer your questions, and help you feel confident every step of the way.
With locations in Mineola and Brooklyn, NYU Langone RSNY is honored to serve thousands of patients across Brooklyn, Long Island, and Queens, New York, helping build families, one step at a time. Let’s explore your next move together.