At Main Line Fertility, we’ve helped thousands of patients achieve their dreams of parenthood. We’re committed to providing compassionate, personalized care — and that includes clear, cost-efficient options with full transparency.
Navigating fertility costs can feel complex, but our team is here to support you with comprehensive financial guidance. From understanding your treatment plan to exploring insurance and financing, we’ll help make the financial aspects of your care as straightforward as possible.
Our team of dedicated financial counselors will work closely with you through the fertility journey, helping you to verify benefits and assisting you in exploring the best options for managing the costs associated with your treatment. We’ll help you to:
Understand costs of care: Our financial coordinators will work closely with you to understand the costs of fertility care. We believe financial constraints should never get between someone and the dreams of parenthood, and we’ll do everything we can to make the process as seamless as possible.
Verify insurance coverage and benefits: Our goal is to reduce stress and equip patients with as much knowledge and agency as possible. Our team will help you make sense of your benefits and clarify which fertility treatments may be covered.
Explore financing and payment options: If you don’t have insurance coverage for fertility treatments, our team will explain all financing and payment options available to help you manage your care.
The costs outlined in this resource apply to patients who do not have insurance coverage for their fertility treatment. We’re happy to work with you to identify possible coverage and alternative financing options, including payment plans and discount programs.
IVF Costs
Understanding the costs of in vitro fertilization (IVF) is an essential part of planning your fertility treatment. At Main Line Fertility, we provide fully transparent and detailed pricing to help you manage your expectations and navigate your options.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, insemination, embryo culture, embryo biopsy, cryopreservation of embryos, and 1 year of storage
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 the Greater Philadelphia area?
The cost of IVF at Main Line Fertility can vary depending on several factors. These include whether you choose to pursue preimplantation genetic testing (PGT), any medications you may take, and any additional services or procedures you require. On average, IVF with PGT starts at $16,000, while IVF without PGT typically starts at $14,000. Medications can add an additional $4,000 to $8,000.
Egg freezing can be a great option for individuals who wish to preserve their fertility. At Main Line Fertility, we provide clear and transparent pricing to help you plan for your egg freezing journey
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, cryopreservation of retrieved oocytes, and 1 year of storage
How much does egg freezing cost in the Greater Philadelphia area?
The costs involved in freezing eggs can vary depending on whether medication or additional procedures are required. The full process, inclusive of medications, typically costs between $6,000 and $11,000. Pursuing other services later on, such as embryo storage or fertilization, can also increase costs.
Intrauterine insemination (IUI) is a common and cost-effective fertility treatment option. IUI is typically less expensive than other, more involved treatments.
Inclusive of ultrasounds, sperm wash, and insemination
How much does IUI cost in Greater Philadelphia?
IUI is a minimally invasive procedure in which a physician injects sperm directly into the uterine cavity during the optimal ovulation time. In Philadelphia and throughout Pennsylvania, costs can vary depending on whether medications are required to stimulate ovulation, whether ultrasounds are used to monitor egg production, and whether donor sperm is used.
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.
Inclusive of ultrasound monitoring, embryo thaw and prep, and embryo transfer
How much does FET cost in the Greater Philadelphia area?
In Philadelphia, embryo transfer typically starts at $4,000, and the final total cost depends on a number of factors, including the number of embryos transferred, medication, genetic testing, pre-cycle lab work, and physician and storage fees.
The cost of fertility treatment can vary widely based on a number of important factors. At Main Line Fertility, we’ll help you understand these variables in order for you to make the most informed choices for your customized plan for care and treatment. The following variables can impact total costs:
Type of treatment: Main Line Fertility offers a comprehensive array of treatment services, whether you’re undergoing IVF, IUI, or egg freezing with later embryo transfer. The costs associated with each treatment differ based on complexity and individual circumstances. For example, IVF generally involves more extensive procedures and medications than IUI, making it a more expensive treatment option.
Number of cycles recommended: The number of cycles completed to reach your fertility goals will also affect total costs. Many patients require more than one cycle, whether pursuing IVF, IUI or egg freezing, to achieve a successful outcome.
Fertility medications: Used for ovarian stimulation, egg retrieval, and embryo preparation, various fertility medications may be prescribed depending on your fertility needs and can affect the overall cost of your treatment. Specific treatment protocols, dosage, and pharmacy fees may also impact costs.
Use of donor eggs, donor sperm, or gestational carrier: In cases in which there are fertility issues with either sperm or eggs, or for those within the LGBTQ+ community who want to start a family, the use of donor eggs, donor sperm, or a gestational carrier can add to the overall treatment cost. Because working with a donor or surrogate is a very involved process, costs may increase significantly.
Insurance coverage or out-of-pocket status: Whether you’ll be applying insurance benefits to the cost of treatment or will be paying out of pocket, our financial counselors will work side by side with you to determine how best to manage the financial aspects of your fertility journey.
Fertility Treatment Cost FAQs
Insurance coverage for IVF can vary widely depending on your insurance provider and the details of your plan. While some plans may cover all or part of the costs, others may not include fertility treatments at all. It’s important to review your plan’s benefits to understand what is and isn’t covered.
If you have questions, contact your insurance provider directly for clarification. If your coverage is through your employer, your HR coordinator can also be a helpful resource. The team at Main Line Fertility will also help you confirm your coverage and benefits, ensuring you feel informed and confident as you begin the process.
In Pennsylvania, insurance coverage for egg freezing will depend on the details of your individual plan. Our experienced financial counselors are here to help you review your policy and determine whether any coverage is available. If your plan doesn’t include egg freezing or offers only partial coverage, we’ll assist you in exploring alternative payment options and financing solutions tailored to your needs.
To determine whether your insurance includes fertility coverage, begin by reviewing your health insurance policy or reaching out to your insurance provider. Look for benefits related to treatments like IVF, IUI, or egg freezing. Your provider can explain which services are covered, any limitations or exclusions, and what out-of-pocket expenses you may incur. If your insurance is through your employer, your HR representative or benefits coordinator can also assist you.
Yes, health savings accounts (HSA) and flexible spending accounts (FSA) can typically be used to pay for many fertility-related expenses. These funds can be used for treatments like IVF, egg retrieval and freezing, as well as ovarian stimulation medications, fertility consultations, and diagnostic tests.
However, coverage may vary depending on your specific plan. For example, long-term storage of frozen eggs may not be eligible. It’s important to review your plan documents or consult your plan administrator to confirm which fertility expenses are covered.
The cost of an IVF cycle typically includes the following components:
Initial consultations and diagnostic testing: These are done to evaluate your fertility and identify the most appropriate treatment approach.
Egg retrieval: During an egg retrieval procedure, mature eggs are collected from the ovaries.
Fertilization: This involves combining eggs and sperm in a laboratory setting.
Embryo culture and monitoring: Once an embryo is formed, it will be developed and closely observed in a lab before transfer.
Keep in mind that ovarian stimulation medications are typically not included in the base cost of IVF and can significantly increase total expenses. Additional services that may affect the overall price include:
ICSI
Genetic testing
Embryo freezing and storage
Other specialized procedures or laboratory techniques
Using donor eggs or sperm can increase the overall cost of IVF or IUI, as these services are typically not included in standard pricing. Donor-related costs often involve medical and psychological screenings, legal agreements, and other medical procedures.
At Main Line Fertility, we’re proud to offer a leading egg donation program and are committed to helping you understand and plan for all associated expenses. Whether you’re a single intended parent, facing medical challenges that prevent the use of your own eggs, or part of an LGBTQ+ couple, our team will guide you through each step of the process with care and support.
Main Line Fertility provides a range of financing options to help make fertility treatments like IUI, IVF, and others more affordable. Once your treatment plan is in place, our financial counselors will work with you to review and discuss all available payment solutions.
We partner with several different trusted lenders — PatientFi, Future Family, CapexMD, and LendingClub — to provide patients with a range of financing options tailored to their needs. We also partner with BUNDL, which offers multi-cycle IVF packages for patients looking to bundle multiple treatments into a single package at a reduced, upfront cost. Some options even include a money-back guarantee.
Our discount programs — including the Heroes Program, Oncofertility Program, Drexel University Program, and Main Line Health Program — can also help make the costs of fertility care much more manageable. Finally, the ReUnite Assist prescription assistance program can help bring down medication costs.
At Main Line Fertility, we are committed to inclusivity and proudly offer our full range of fertility services to individuals regardless of sexual orientation, gender identity, or relationship status. Treatment plans and associated costs are developed with the same expertise and ethical standards we uphold for all patients on their path to parenthood.
Costs can vary depending on the services used, which may include fertility testing, sperm or egg donation, use of a gestational surrogate, fertility preservation, or reciprocal IVF.
At Main Line Fertility, we’re dedicated to helping single women and men find the right path to parenthood. Whether you have insurance coverage or plan to self-pay, our financial counselors will work closely with you to develop a personalized treatment and payment plan. Total costs will depend on your specific treatment plan, insurance benefits, and available financing options.
For single women, costs may include acquiring donor sperm for IVF or IUI. For single men, expenses typically involve egg donation and the use of a gestational surrogate.
Freezing eggs is akin to saving for your future. Whether you’re pursuing egg freezing due to age, medical or genetic conditions, or simply a desire to postpone parenthood, egg freezing can be a cost-efficient option for retaining fertility options for the future.
Explore Costs for IVF, IUI, Egg Freezing, and More
The team at Main Line Fertility is proud to serve the greater Philadelphia region, with locations in Philadelphia, Bryn Mawr, West Chester, Havertown, Reading, and Fort Washington. Serving patients across Pennsylvania as well as many throughout Delaware and southern New Jersey. If you have any questions about costs, financing options, insurance coverage, or anything else related to your fertility journey, please don’t hesitate to reach out. Our team is here to help you navigate the next steps with clarity and support.
