At IVFMD, we understand that starting your fertility journey is both exciting and overwhelming — especially when it comes to cost. Since 1991, we’ve supported thousands of families across South Florida with expert care and transparent pricing.
Whether you’re exploring IVF, IUI, egg freezing, or other fertility solutions, our Financial Counselors offer clear, personalized guidance on insurance coverage, payment plans via financing, and out-of-pocket expenses — so you can focus on what matters most: building your family.
Navigating the financial side of fertility care can feel overwhelming, but at IVFMD, you don’t have to do it alone. We believe financial clarity is a vital part of your treatment experience. From your initial consultation through every step of your journey, our knowledgeable team is here to ensure you feel informed, supported, and confident in understanding all your financial options.
Verify Benefits Directly: Before your first visit, our Patient Financial Specialists will connect directly with your insurance provider to verify your fertility coverage. We'll break down what's covered, what isn't, and what your potential out-of-pocket costs for treatment may be so you can walk into your consultation feeling prepared, informed, and confident.
Fertility Care Insurance Coverage Guidance: Navigating the complexities of fertility insurance can be complicated, but we're here to make it easier. Whether your plan offers full, partial, or no coverage, our Financial Counselors will guide you through the details. We'll help 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.
Financing & Payment Options: If your insurance doesn't cover fertility treatment, or only covers part of it, IVFMD offers a range of flexible financing and payment options. Once your personalized treatment plan is in place, our Financial Counselors will walk you through the costs from diagnostic testing to prospective medication savings programs medication, explore available financing programs, and help you choose an option that works with your budget and family-planning goals.
Every fertility journey is unique, and so are the costs that come with it. At IVFMD, we take the guesswork out of the financial side of care by giving you clear, personalized information from the very start.
We’ve proudly supported families across South Florida since 1991, combining compassionate, expert care with the financial guidance needed to make fertility treatment more accessible. We’re here to make your journey as smooth, informed, and hopeful as possible, so you can focus on what matters most: building a happy, healthy family.
The costs outlined here are for patients who do not have insurance coverage for their fertility treatments. We're happy to help identify potential coverage and alternative financing options.
IVF Costs
When considering in vitro fertilization (IVF), knowing what to expect financially is crucial for your treatment planning. IVFMD is committed to providing upfront, transparent pricing to help guide you through your available options.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, conventional insemination, embryo culture, embryo biopsy, and cryopreservation of embryos.
Fresh IVF includes monitoring, anesthesia, retrieval, insemination, culture, and a fresh embryo transfer. Freeze-all/embryo-freezing includes the same steps except no transfer and starts at $13,500.
How much does IVF cost in South Florida?
The cost of IVF in South Florida can vary depending on several factors, including whether you choose to include genetic testing (PGT), the medications needed, and any additional services. On average, IVF with PGT starts at $15,000, while IVF without PGT typically starts at $13,500. Fresh IVF cycles include embryo transfer and range from approximately $15,980 to $19,975. Freeze-all cycles start at $13,500 and do not include a later frozen embryo transfer.
Before beginning your treatment cycle, every patient meets with our dedicated Financial Counselors to explore all available payment options, including insurance benefits and flexible financing programs designed to support your care. For personalized estimates and to learn more about available financing options, please reach out to our financial counselors.
Egg freezing gives you the freedom to preserve your fertility on your own terms. At IVFMD, we offer clear, transparent pricing to help you confidently plan for every step of your egg freezing journey.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, cryopreservation of retrieved oocytes.
How much does egg freezing cost in South Florida?
The cost of egg freezing in South Florida varies based on your individual treatment plan and whether fertility medications are required. The complete process typically ranges between $9,000 and $12,000. These costs may fluctuate depending on your specific protocol and any additional services, such as long-term storage or future fertilization procedures.
Intrauterine insemination (IUI) is a common and cost-effective fertility treatment option that can enhance the potential for pregnancy. Here’s a breakdown of the costs associated with IUI:
Inclusive of ultrasounds, sperm wash, and insemination
How much does IUI cost in South Florida?
The cost of IUI in South Florida can vary depending on individual factors, including the type and amount of medication required, which is based on your unique response to treatment. While the exact cost of the procedure may differ depending on your personalized plan, IUI typically starts at around $985. Often used as a first-line treatment, IUI is a common option before exploring more advanced procedures such as IVF.
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.
$5,000 – $7,250
How much does FET cost in South Florida?
The cost of frozen embryo transfer (FET) in South Florida typically falls between $5,000 and $7,250, depending on your personalized treatment plan. This fee includes the ultrasound monitoring, blood monitoring, thawing, and transfer process, while medications and other individualized treatments may incur separate charges.
Everyone’s path is different, and fertility costs aren’t one-size-fits-all. At IVFMD, we’re here from day one to help you understand what to expect, so you can plan ahead and stay focused on what matters most: building your family.
The treatment you choose makes a difference. Whether you’re considering IVF, IUI, egg freezing, or embryo transfer, each option comes with its own cost structure. IVF usually involves more advanced procedures, medications, and lab work than IUI, which can make it a larger financial investment. At IVFMD, we’ll guide you through the details of each treatment so you can make the best choice for your medical needs, emotional well-being, and budget.
Your treatment plan may include multiple cycles. Fertility success looks different for everyone. Some patients achieve their goals after just one cycle, while others may need multiple attempts to build their family. Whether you’re pursuing IVF, IUI, or egg freezing, the number of cycles in your personalized plan will impact your overall cost. At IVFMD, we’ve proudly helped deliver more than 10,000 babies and counting, and we’ll be with you every step of the way, helping you prepare, plan, and feel confident throughout your journey.
Medications are tailored to you. Fertility medications play a major role in treatment and costs. Because every patient’s body responds differently, your medication protocol will be custom-designed to meet your needs, whether for ovarian stimulation, egg retrieval, or embryo development. Medication pricing is provided in collaboration with our trusted pharmacy partners so you have clear, up-to-date cost information.
Use of Donor Eggs, Donor Sperm, or Gestational Carrier: If your journey includes donor eggs, donor sperm, or a gestational carrier, these services will involve additional costs. Often essential for addressing infertility or specific medical conditions, our team will guide you through your options with sensitivity and full transparency.
Advanced services can enhance your success. Options like preimplantation genetic testing (PGT-A) and embryo storage* can improve your chances of a successful and healthy pregnancy. While these services involve additional fees, many patients choose them for the peace of mind and improved outcomes they offer. We’ll help you evaluate whether they align with your goals and situation. *IVFMD provides storage for up to three months; after that, all reproductive tissue is transferred to a long-term storage facility.
Insurance coverage varies significantly. Fertility coverage isn’t one-size-fits-all. Some insurance plans offer comprehensive fertility benefits, while others provide limited or no coverage at all. If your plan lacks coverage, we’ll work with you to understand every cost component — from procedures to advanced lab services — so you can prepare accordingly.
At IVFMD, we believe you should never be surprised by the cost of care. That’s why our dedicated Financial Counselors meet with every patient to walk through their treatment plan in detail. We’ll review your insurance benefits, outline payment options, and introduce financing solutions that fit your needs. Our goal is to make the financial side of your journey clear, manageable, and stress-free so you can focus on building your future.
Fertility Treatment Cost FAQs
Insurance coverage for IVF can vary widely depending on your provider and specific plan. While some policies cover all or part of the costs, others may offer limited or no fertility benefits. That’s why it’s important to contact your insurance company directly to understand what’s included as far as fertility consultations, diagnostic testing, and treatment options.
In Florida, there is no broad statewide mandate requiring insurance companies to cover IVF, but some policies do provide partial benefits, particularly for diagnostic testing, fertility medications, or medically necessary procedures. At IVFMD, our dedicated Financial Counselors are here to help you navigate your insurance benefits and fully understand the costs tied to your personalized treatment plan. We’re committed to transparent pricing and offer flexible payment solutions to support you every step of the way.
Florida does not require insurance plans to cover elective egg freezing, and coverage can vary widely between employers and insurance providers. However, some policies may offer benefits for medically necessary fertility preservation.
At IVFMD, our Financial Counselors are here to help you understand your insurance coverage and explore financing options. We're committed to helping you make informed and confident decisions about your care.
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, you can use Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) to pay for many fertility-related expenses. These funds can be used for treatments like IVF, egg retrieval and freezing, ovarian stimulation medications, as well as fertility consultations and diagnostic testing. However, coverage may vary depending on your specific plan. For example, long-term storage of frozen eggs may not be eligible under some FSAs. 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 generally includes the following:
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, the cost of fertility treatment will increase if donor sperm or eggs are used. The expenses for donor sperm or eggs are typically not included in the base cost of IVF or IUI and can add a significant amount to the overall treatment price. This is due to the cost of sourcing and screening the donor, as well as any additional medical procedures involved in using donor gametes.
At IVFMD, we provide a range of fertility financing options, packages, and discounts to help manage the cost of treatments such as IUI, IVF, and more. Once your personalized treatment plan is in place, our team will walk you through all available financial solutions to find the approach that works best for you.
The number of IVF cycles needed can vary greatly from person to person, depending on factors such as age, underlying fertility conditions, and how the body responds to treatment. While some individuals may achieve pregnancy with a single cycle, many require multiple attempts. This can significantly increase overall costs due to repeated procedures, medications, and monitoring.
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. Once your physician determines your stimulation protocol, your ART coordinator will send your prescription to our specialty pharmacy hub, where you will receive a text or email with a medication quote.
Explore Costs for IVF, IUI, Egg Freezing, and More
If you have questions about costs, financing, insurance coverage, or any part of your fertility journey, IVFMD is here to help. We proudly serve individuals and families across South Florida, including Miami, Fort Lauderdale, Boca Raton, Davie, Sunrise, Coral Springs, Hollywood, Cooper City, Viera, Naples, Jupiter, and surrounding communities. Our team is committed to providing clear guidance and compassionate support as you take the next steps toward building your family.
