If you’re wondering how much in vitro fertilization (IVF) will cost, you’re far from alone, and the question deserves a clear, honest answer before you ever book a consultation. Cost is one of the biggest concerns people bring to their first visit, and understanding the numbers can make the whole process feel more manageable. Knowing what’s included, what’s covered, and what help is available can turn a big unknown into a plan you can work with.
There’s also good news for anyone living in Illinois. Illinois is one of only 15 states with a law requiring insurance coverage for IVF, according to RESOLVE: The National Infertility Association, and many people researching IVF in Illinois will have coverage for at least part of their care.
At InVia Fertility Specialists, our financial team will walk through every number with you, so you’ll know what to expect before treatment begins.
IVF Cost for a Single Cycle at InVia
If your plan includes fertility benefits, your out-of-pocket cost may be much lower, and since Illinois’s mandate covers diagnosis as well as treatment, your fertility testing may be covered too.
For people without insurance coverage, a single IVF cycle at InVia costs about $18,000 on average, according to our affording fertility treatment guide. The $18,000 figure is an average, and your own estimate will depend on your diagnosis and treatment plan. If you’re paying on your own, our financing partners, including PatientFi and CapexMD, can help make the cost more manageable.
Before you start, our team will give you a Financial Clearance document that breaks down every cost involved in your care, so there are no hidden fees.
What’s Included in the IVF Cost
A base IVF cycle brings together several stages of care, and each one plays a part in the total. A cycle includes:
- Monitoring appointments, where your care team will track your ovarian stimulation with bloodwork and ultrasound.
- The egg retrieval procedure.
- Lab work, including fertilizing your eggs and overseeing embryo development in our embryology lab.
- A single embryo transfer.
What Can Add to Your IVF Cost
Some services aren’t part of every cycle, so they may be billed separately depending on your plan. Common additions include:
Your doctor will recommend ICSI or PGT only when they fit your diagnosis and goals, and your care team will explain the cost of each one before you decide.
IVF also comes with its own vocabulary, and you can always ask our team to explain any term in plain English or in your preferred language.
How Much Does IVF Cost With Insurance? Illinois’s Expanded Mandate
Illinois has required many employers to include infertility coverage for years, and that requirement grew in 2026. Under Senate Bill 773, group health plans that include pregnancy-related benefits and are issued or renewed on or after January 1, 2026 must cover the diagnosis and treatment of infertility, including IVF, regardless of employer size.
The earlier version of the law applied to employers with more than 25 employees, so many more people in Illinois now have access to coverage. Coverage must follow medically appropriate clinical guidelines, and plans can’t place tighter limits on fertility medications than on other prescriptions. Illinois’s expanded law is great news for people across the state, and infertility coverage now includes:
- Diagnostic testing and prescription drugs.
- Intrauterine insemination (IUI), IVF, and ICSI.
- Medical costs for donor eggs and donor sperm, including the donor’s retrieval and screening.
Some plans still fall outside the mandate. Self-funded employer plans are regulated at the federal level and may not follow the state mandate, so your own plan documents are the best source for what you have. If your plan was issued or renewed in 2026, ask your employer or insurer whether the expanded requirement now applies to you.
InVia Fertility is a contracted preferred provider for most major insurance companies, and our team will help you check your insurance coverage. Many people are pleasantly surprised by how much of their care their plan covers.
Financing the Cost of IVF at InVia
If you don’t have insurance coverage, or your plan covers only part of your care, InVia offers several financing options, and our financial counselors will help you compare them side by side:
- PatientFi, which offers approval with no hard credit check, access to up to $50,000, flexible monthly plans, and a reusable digital wallet for treatment, medications, and lab work.
- CapexMD, which offers fertility loans of $3,000 to $60,000 with terms of 6 to 84 months, no hard credit checks, and the option for family members or friends to apply.
- Fertility medication savings programs, including manufacturer discounts for people who are uninsured or have used up their benefits.
- A 15% military fertility discount for active duty military, active reserve duty, and veterans who don’t have insurance coverage for fertility treatment.
Grants can help too. RESOLVE maintains a list of fertility treatment scholarships and grants, and Fertility Within Reach gathers grant and discount programs to explore. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can be used for many IVF-related medical expenses as well, so check with your plan administrator.
The Shared IVF Success Program
For people without insurance coverage, InVia’s Shared IVF Success Program offers a fixed price of $29,000 for up to three IVF cycles. The program covers egg retrieval, embryo transfer, ICSI or assisted hatching if needed, and embryo freezing and storage until a live birth.
The program can give you more financial predictability if you expect to need more than one cycle. Funds stay in escrow until you reach a pregnancy of 12 weeks. If you don’t have a pregnancy past the first trimester after three cycles, you can reclaim your funds to pursue other paths to parenthood, such as adoption.
Eligibility depends on factors including age, cause of infertility, egg quality and ovarian reserve, and response to medication. Your consultation and initial testing will determine whether the program fits you, and some costs are billed separately, including your consultation and pre-testing, medications, anesthesia, any surgical procedures, and genetic testing.
What Can Make Your IVF Treatment Cost Higher or Lower
Every IVF plan is personal, so your IVF treatment cost will reflect your own circumstances. Several factors can change your total:
- Your insurance coverage and how your plan applies Illinois’s mandate, since coverage can reduce your out-of-pocket cost significantly.
- Your medication protocol and how your body responds to stimulation, which affects both the type and the amount of medication you’ll need.
- How many cycles you need to reach your goals, since some people need more than one egg retrieval or embryo transfer.
- Whether donor eggs, PGT, or a frozen embryo transfer (FET) is part of your plan.
Variation from one person to the next is completely normal, and a higher or lower estimate says nothing about your chances of success. If your plan changes during treatment, our financial team will review the updated costs with you, so nothing comes as a surprise. Our IVF success rates can also help you see the outcomes behind the numbers.
Questions to Ask Before You Start
Going into your consultation with a few questions can help you feel confident about the financial side of treatment, and no question about cost is too small to ask. Consider asking:
- How much of IVF does my insurance plan cover, and does Illinois’s mandate apply to my plan?
- Is InVia in-network with my insurance?
- Which services are included in my itemized cycle quote, and which are billed separately?
- How much should I budget for medications, and do I qualify for any savings programs?
- Will my insurance cover my diagnostic testing?
- Which financing options, discounts, or programs fit my situation?
Talk Through Your Own Cost With InVia
If you’re now feeling more informed and a little overwhelmed at the same time, that’s completely understandable. You don’t have to sort through the cost of IVF on your own, and our team is here to help you understand your coverage, compare your options, and move forward with confidence. Whatever your budget and coverage look like, we’ll work with you to find a path toward building your family.
Schedule an appointment to get a personalized cost estimate and talk through your financing options with our team, whether you visit our IVF center near Chicago or another InVia location.
