What Does IVF Cost in Pennsylvania?
The average cost of in vitro fertilization (IVF) in Pennsylvania typically ranges from $11,000 to $20,000 per cycle. The final cost depends on factors such as the clinic, the patient’s specific treatment plan, medications, and additional services like Preimplantation Genetic Testing (PGT), embryo freezing, and Frozen Embryo Transfers (FET).
In this article, we’ll break down the elements contributing to IVF costs in Pennsylvania, available resources to make the process more affordable, and options to lower treatment costs by traveling to lower-cost clinics.
What Goes into the Cost of IVF in Pennsylvania?
A single IVF cycle in Pennsylvania generally costs between $11,000 and $20,000 but can increase to over $30,000, depending on the medications and services needed.
This price variation is due to the absence of a standard IVF package across clinics and the fact that different facilities charge different amounts for the same services.
For these reasons, it’s essential to carefully compare clinic prices to understand what’s included and ensure you’re comparing similar services.
Additionally, the total cost varies based on each patient’s unique needs, as medication and treatment approaches differ.
Required Services and Expenses for IVF
The minimum cost to complete one IVF cycle in Pennsylvania is usually between $11,000 and $20,000, including medication. The bare minimum of required services included in the base cost of IVF are:
- Monitoring Appointments: Essential for tracking egg and uterine development and planning the egg retrieval.
- Egg Retrieval: The process of collecting mature eggs from the ovaries.
- Anesthesia: Used during egg retrieval to ensure comfort.
- Fertilization: Eggs are fertilized in a lab, either via conventional IVF (mixing sperm with eggs) or ICSI (injecting sperm directly into the egg).
- Embryo Culture and Development: Embryos develop in the lab for 3-7 days before transfer.
- Embryo Transfer: The embryo is placed in the uterus, either through a fresh or frozen transfer. Fresh transfers are included in costs, while frozen transfers can incur a significant additional fee (see below).
- Medication: Though not technically required for IVF, medications are used in nearly all IVF cycles. We’ve included their cost in the overall $11,000-$20,000 per cycle, but keep in mind that most clinics will not include the cost of medications in their base price. More on this below.
Additional Costs Not Included in Base IVF Price
Beyond the standard essential services included above, additional services may be necessary for many patients and can add $5,000 to $15,000 per cycle. These add-on services include:
- IVF Medications: Medications are a bit of a gray area. Though not technically required for IVF, medications are used in over 99% of IVF cycles and account for one of the largest costs associated with IVF treatment. While typically not quoted in a clinic’s advertised price, most clients can expect to pay between $2,000-$7,000 in medication costs per cycle. Larger clinics like CNY negotiate special rates with pharmacies and pass the savings along to their patients.
- Cryopreservation and Storage: Egg or embryo freezing and first-year storage usually cost an extra $600, with an annual storage fee after that.
- Frozen Embryo Transfers (FET): An essential step for patients with extra embryos or those whose uterine lining isn’t ready for a fresh transfer. FET costs range from $995 to $4,000.
- Preimplantation Genetic Testing (PGT): PGT helps screen embryos for genetic conditions and chromosomal abnormalities before transfer. The average cost is around $4,500, including fees for the biopsy and lab testing. PGT often requires freezing embryos, leading to additional FET costs.
Making IVF More Affordable in Pennsylvania
One way to make IVF more affordable is to travel out of state to lower-cost clinics, such as CNY Fertility.
For example, CNY Fertility’s IVF package, including medications, costs $5,769. This includes:
- Egg retrieval
- Anesthesia
- intracytoplasmic sperm injection (ICSI) fertilization
- Embryo culture and development in a laboratory
- Assisted hatching (AH) to help embryos implant in the uterus.
- Fresh embryo transfer
- Cryopreservation of embryos that have not been transferred.
- Medications (our most common
Monitoring for travel patients typically incurs an additional fee of around $800-$1,500 for bloodwork and ultrasounds at a local facility, plus a $150 cycle management fee paid to CNY.
Additional expenses for travel patients generally include the cost to drive or fly to the nearest CNY Fertility location and hotel accommodation for 2-7 nights. Learn more about traveling for care at CNY here.
Other add-on services like FETs or PGT may need to be accounted for based on your specific needs.
Use our cost calculator to get a personalized estimate tailored to your specific needs. Then, schedule a consultation to begin your family-building journey.
{{ treatments[treatment_selected]['data']['footnote'] }} The above calculation is for simulation purposes only. It is reflective of self-pay pricing, includes highly variable estimates paid to CNY and third parties, and national averages obtained through internal research, FertilityIQ, ASRM, and Resolve. Billing through insurance will likely result in substantially different fees. CNY Fertility does not warrant or guarantee any price for services conducted or rendered by a third party and recommends everyone obtain written estimates from any medical facility involved in your treatment as well as verification of coverage from your insurance company prior to beginning treatment. Patients who live in or near Philidelphia and travel to our out of state clinics for IVF, can have their monitoring done at CNY Fertility Philadelphia, an ultrasound monitoring-only office. Ultrasound services in Philadelphia are billed separately through the Philadelphia office. Pennsylvania does not have a state mandate that requires insurance companies to cover fertility treatments, including IVF. However, some employers may offer fertility benefits as part of their health insurance packages. To determine whether IVF is covered under your insurance, it’s essential to review your policy carefully. Factors like the duration of infertility, underlying medical conditions, and whether you need additional services such as donor eggs, surrogacy, or preimplantation genetic testing (PGT) can also impact coverage. Many Pennsylvania fertility clinics offer financing options to help manage IVF costs. Additionally, some independent lenders specialize in fertility treatment loans, and personal loans through credit unions are another option. IVF grants can also significantly reduce costs, with some even covering the full price of an IVF cycle. Several grants are available nationwide, including the CNY IVF Grant, which is open to all applicants and awarded monthly. IVF in Pennsylvania costs between $11,000 and $20,000 per cycle, with additional expenses for extra services. Most patients need multiple cycles to achieve success, which can drive the total cost to $20,000–$50,000. Traveling to a more affordable clinic like CNY Fertility, financing options, and IVF grants can help reduce these expenses and make the journey to parenthood more affordable. For IVF Grant Announcements, Fertility News and More!Automatically Included
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The Takeaway
