How Much Does IVF Cost?

Deciding to begin in vitro fertilization (IVF) is a significant step in your fertility journey, and understanding the costs upfront can help you feel empowered and prepared.

At Pacific Reproductive Center, we believe cost should never be a barrier to creating the family you’ve always dreamed of. That’s why we offer transparent IVF pricing, affordable treatment options, and flexible financial solutions tailored to your needs.

To learn more about IVF costs or schedule a personalized consultation, contact our team or keep reading for a full breakdown of the costs.

The Average IVF Treatment Cost

If you’re considering fertility treatment, you may have wondered, “How much does IVF cost without insurance?”

The average cost of IVF in the United States ranges from $15,000 to $20,000 per cycle, and that price may increase depending on medications, testing, and whether multiple cycles are needed.

We understand how stressful that number can feel, but you’re not alone. Our team is here to help you navigate every cost detail step by step.

At PRC, we’re proud to offer some of California’s most affordable fertility treatment costs without compromising the quality of care.

What’s Covered in IVF Cost?

Typically, IVF cost covers the entirety of the procedure from start to finish.

For most, the base cost of IVF treatment includes:

• bloodwork
• all specialty visits at the IVF clinic
• ultrasounds (post-procedure)
• egg retrieval and anesthesia during retrieval
• intracytoplasmic sperm injection
• embryo transfer
• follow-up care

What’s Not Covered in IVF Cost?

Although the base fee associated with IVF often covers most of the procedure requirements, additional fees are associated with in vitro fertilization.

Additional Costs Associated with IVF

Other fees may include:

• Preprocedural fertility assessment involving an ovarian ultrasound, a blood test, and a physical exam.
• Semen analysis.
• Injectable medications.
• Donor sperm (when applicable).
• Mock embryo transfer.
• Gestational carrier or surrogate costs.

We encourage you to speak with your fertility specialist to learn more about additional costs. During your initial consultation, we’ll help you understand what’s included and what’s not. Transparency is our promise at every step of care.

What Affects IVF Costs?

Your final IVF treatment cost depends on several medical and personal factors.

Age and Health Considerations

Fertility declines with age, especially after 35. Older patients may require more cycles or higher medication dosages, affecting overall cost.

IVF Success Rate and Cost Impact

While many couples conceive after one cycle, others may need more. Our team will walk you through what to expect based on your fertility profile, including success rate data and how it may impact cost.

Does Insurance Cover IVF?

Insurance coverage for IVF varies by provider and plan. While some health insurance companies offer partial or full reimbursement for certain fertility treatments, others may not cover treatment at all.

How to Maximize IVF Coverage

• Speak with your insurance provider about your fertility benefits.
• Review your plan’s coverage for diagnostics, medications, and procedures.
• Ask our financial counselors at PRC about out-of-network options and reimbursement assistance.

Financing Options for IVF

At Pacific Reproductive Center, we know that the financial aspect of fertility treatment can feel overwhelming, but it shouldn’t stand in the way of your dream to grow your family.

Our goal is to help ease that burden with transparent pricing and accessible financing solutions that fit your unique needs.

Payment Plans for IVF at PRC

During your initial consultation, you’ll meet with a knowledgeable financial counselor who will explain the estimated cost of your personalized treatment plan.

We’ll review your insurance coverage, explain all out-of-pocket costs, and discuss available payment plans tailored to your budget.

We accept most insurance plans and will confirm your benefits before your first appointment.

Loans and Financing Partners

To make treatment even more accessible, PRC proudly partners with CapexMD, a trusted financing provider specializing in fertility care.

CapexMD offers:

• Fertility-focused loan programs with competitive rates.
• Flexible terms and fast approvals.
• Confidential, stress-free application process.
• Financing options that can cover medications, genetic testing, and more.

Their loan specialists are dedicated to helping you access the care you need without unnecessary financial stress.

If you’re interested in CapexMD, you can speak with our team during your visit or apply directly online or by calling 1-888-497-8414.

Effective IVF Treatment in Southern California

PRC proudly serves patients across the region with convenient locations in Torrance, Glendale, Irvine, and Corona.

Whether you’re pursuing IVF for the first time or exploring advanced fertility treatment options, our compassionate team is here to support your journey.

Here’s why you should consider PRC for fertility treatment:

• Experienced fertility specialists and board-certified physicians.
• State-of-the-art labs and advanced embryo transfer techniques.
• Affordable pricing and flexible financial plans.
• Compassionate, culturally inclusive care.

Ready to begin your fertility journey? Contact us today or call 866-870-0766  to schedule a consultation at your nearest Pacific Reproductive Center location.