Breaking Down IVF Costs: What to Expect and How to Plan Financially
Understanding IVF cost information is a vital part of preparing for fertility treatment. Whether you're just starting your fertility journey or preparing for an upcoming cycle, understanding how much IVF costs—and how to plan for it—is essential. At the Southern California Center for Reproductive Medicine (SCCRM), we’re committed to transparent pricing, personalized support, and flexible financial solutions to help you access expert fertility care.
What affects the cost of IVF?
The total cost of in vitro fertilization (IVF) can vary widely depending on your treatment plan and medical needs. Some of the biggest cost drivers include:
The number and type of IVF cycles (fresh vs. frozen)
Use of advanced lab techniques like ICSI or assisted hatching
Fertility medications for ovarian stimulation
Preimplantation genetic testing (PGT-A, PGT-M)
Cryopreservation of embryos or eggs
Monitoring appointments and lab work
Every patient’s plan is unique. It is important to speak with your care team about the costs associated with your specific treatment protocol.
IVF insurance coverage: What’s typically included?
Insurance coverage for fertility services varies widely by plan. While many insurers cover infertility evaluations and diagnostic testing, coverage for IVF treatment, medications, or embryo transfer procedures is not always guaranteed.
Here’s what your plan may cover:
Consultations, ultrasounds, and hormone testing
IVF procedures (varies by plan)
Some medications and lab work
IUI or IVF (only if policy includes treatment)
SCCRM accepts a wide network of insurance providers, including Aetna, Anthem Blue Cross, Blue Shield, Cigna, UnitedHealthcare (UHC), Greater Newport Physicians, Memorial Care, Healthnet, and Monarch Healthcare. Once your benefits are verified, our financial counselors will explain:
What’s in-network vs. out-of-network
Your deductible, copay, and out-of-pocket max
What IVF services your plan will cover (and what it won’t)
We also collaborate with employer-sponsored benefit programs like:
Progyny
WIN Fertility
Carrot Fertility
Maven Clinic
These platforms often provide comprehensive fertility benefits beyond what traditional insurance covers, including IVF, donor services, and egg freezing.
Pro tip: Always confirm coverage directly with your insurance provider prior to starting treatment.
IVF without insurance: Our global fee option
For patients paying out of pocket, SCCRM offers a competitive Global Fee Structure, which simplifies the process by bundling most IVF services into one comprehensive price tailored to your treatment plan.
What’s included under SCCRM Global Fee:
All ultrasounds and blood tests during the cycle
Physician fees
What’s included under Ovation Global Fee:
Laboratory fees (culture, fertilization, embryo preparation)
ICSI (intracytoplasmic sperm injection)
Assisted hatching (if needed)
Embryo biopsy
Embryo freezing
What’s not included:
Pre-cycle diagnostic testing, ultrasounds, and procedures
Medications (varies by individual)
Specialized lab charges (e.g. PGT)
Infectious disease screening
This bundled approach makes it easier to understand and plan for your total IVF investment.
Financing fertility treatment
If you're concerned about upfront costs, you're not alone—and you're not out of options. SCCRM partners with CapexMD, a fertility-focused financing company that offers:
Loan amounts up to $50,000
Quick approval process
No hidden fees
Custom payment plans to fit your budget
IVF discount program: 3-Cycle Batching Plan
For patients who may need more than one IVF cycle to achieve success, SCCRM offers a Three-Cycle IVF/PGT Batching Plan—an exclusive program designed to maximize embryo availability and minimize per-cycle costs.
Key Benefits:
Significant savings compared to three separate cycles
Enhanced embryo quantity and quality for PGT
FET costs deferred until batching is complete
Higher success rates with more embryos to select from
This is an ideal option for patients with complex fertility challenges or those who want to optimize genetic screening and success rates in a cost-effective way.
Get personalized IVF cost information
At SCCRM, we believe financial transparency is part of exceptional care. From your first consultation, our team works closely with you to explain IVF costs, confirm your insurance benefits, and explore financing or discount options that align with your goals.
Let’s build a plan that works for you—and your future family.
Contact us today to schedule your consultation and receive a personalized cost breakdown tailored to your treatment path.
Medical contributions by
Robert E. Anderson, M.D.
Double board-certified
Obstetrics and Gynecology, Reproductive Endocrinology and Infertility
With over 30 years experience in the field of Reproductive Medicine, Dr. Robert Anderson has developed a highly successful approach to the treatment of every type of fertility problem. He has been practicing in Orange County longer than any other Board Certified Reproductive Endocrinologist.
Don Royster, M.D.
Double board-certified
Obstetrics and Gynecology, Reproductive Endocrinology and Infertility
With over 15 years of experience as an OB/GYN and Reproductive Endocrinology and Infertility (REI) specialist, Dr. Don Royster joined SCCRM after serving on active duty in the United States Air Force for over 20 years, retiring at the rank of Colonel. He has performed over 6,000 surgeries and delivered over 1,000 babies with deployments and humanitarian missions across the globe.