What Does IVF Cost in Minnesota?
The cost of a single in vitro fertilization (IVF) cycle in Minnesota generally falls between $15,000 and $30,000, though individual expenses can vary depending on the clinic and the patient’s specific needs.
Additional costs for medications and optional services such as Preimplantation Genetic Testing (PGT), embryo freezing, and Frozen Embryo Transfers (FET) can add thousands to the overall price.
This article examines the factors that affect IVF costs in Minnesota, available financial resources to make treatments more affordable, and potential savings by considering traveling out-of-state to clinics that offer lower-cost options.
What Contributes to the Cost of IVF in Minnesota?
Most IVF clinics in Minnesota advertise the cost of a single IVF cycle between $13,000 and $23,000, with medications adding an additional $2,000 to $7,000.
The variation in pricing is largely due to differences between clinics; identical procedures can be priced differently depending on the clinic.
Additionally, your individual medical needs will impact the overall cost, as some services may be optional while others are necessary based on your specific situation.
Let’s breakdown the essential services to consider when calculating the cost of your IVF treatment.
Essential IVF Services in Minnesota
Here are the key services typically included in the advertised cost of an IVF cycle:
- Monitoring Appointments: For tracking egg development and the uterine lining, these appointments help schedule the egg retrieval procedure.
- Egg Retrieval: A procedure where a thin needle, guided by ultrasound, is used to retrieve mature eggs from the woman’s ovaries.
- Anesthesia: Administered during egg retrieval to ensure comfort during this minor surgical procedure.
- Fertilization: In laboratory eggs are fertilized, either through conventional IVF or Intracytoplasmic Sperm Injection (ICSI).
- Embryo Development/Culture: After fertilization, embryos are grown in the lab for 3-7 days.
- Embryo Transfer: While many clinics offer fresh transfers as part of their standard IVF packages, frozen transfers often come with additional fees due to the costs of freezing, storing, and preparing the embryo for implantation. The choice between fresh and frozen transfers depends on factors like the patient’s health and treatment strategy.
Note on medications: Clinics don’t usually advertise the cost of medications because they are usually billed to a pharmacy, and from a marketing standpoint, because it allows them to present a lower cost.
Medication costs will increase bottom line by $2,000 to $7,000 per cycle.
Traveling for More Affordable IVF Options
Many residents of Minnesota choose to travel out of state to one of CNY Fertility’s clinics, where IVF packages, including medications, can cost under $10,000.
The most popular CNY package costs $5,769 and covers:
- Egg retrieval with anesthesia
- ICSI fertilization
- Embryo culture and development
Assisted hatching (AH) to prepare embryos for implantation
- Fresh embryo transfer
- Cryopreservation of extra embryos for future use
- Standard medication protocol
Patients who travel will need to budget for local monitoring ($800-$1,500) and additional travel expenses, including flights or driving and lodging for 2-7 nights.
You can learn more about traveling to one of our nine national locations here.
As with our IVF packages, common add-on services such as PGT genetic testing, frozen embryo transfers, and medication enhancement protocols at CNY are all remarkably affordable compared to the national average.
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. Beyond the base cost of IVF, additional services can increase the total expense per cycle by $5,000 to $15,000 in Minnesota. Medications: Although rarely included in a clinic’s advertised price, medications are a crucial part of most IVF cycles. Patients generally need to budget between $2,000 and $7,000 per cycle for these medications, which are essential for stimulating egg production and supporting the overall IVF process. Cryopreservation and Storage: Storing embryos for future use typically costs about $600 for the first year, with additional annual fees thereafter. Some clinics bundle this service into their packages, while others charge it separately. Frozen Embryo Transfers (FET): FET is often recommended for patients with extra embryos or when fresh transfers are not feasible. The cost of a FET ranges from $995 at clinics like CNY to as much as $4,000 at other Minnesota clinics. Preimplantation Genetic Testing (PGT): PGT is used to identify genetic conditions or determine the embryo’s sex. Costs vary between clinics, with CNY offering the service at $2,600, while most clinics charge closer to $4,500 due to fees from both fertility clinics and genetic laboratories. Achieving a healthy pregnancy through IVF frequently takes more than one cycle. Data from the Society for Assisted Reproductive Technology (SART) shows that only about 26% of patients are successful on their first attempt. For the majority—approximately 74%—it usually requires two to three cycles to achieve a successful pregnancy and live birth. Age is a critical factor influencing success rates, with women over 35 experiencing lower chances of success during their first cycle. This decline in success is attributed to reduced egg quality and quantity as women age. 1 These additional costs highlight the importance of careful planning and comparison when selecting fertility services. Currently, Minnesota does not have a state law that mandates insurance companies to cover fertility treatments like IVF. Whether or not your IVF treatment is covered depends on your insurance plan and if your employer offers fertility benefits. Some insurance plans may cover certain aspects of the IVF process, such as diagnostic testing, medications, or related procedures, but others may not cover IVF at all. You’ll have to review your health insurance policy or speak directly with your provider to understand the extent of your fertility coverage. Many fertility clinics in Minnesota offer financing plans to help manage IVF expenses, and some independent lenders provide loans for fertility treatments. Additionally, some organizations offer grants to assist with IVF costs. For example, CNY Fertility offers monthly grants open to all applicants, which can significantly reduce the financial burden. The average cost of IVF in Minnesota typically ranges from $15,000 to $30,000 per cycle, including medications. Since most patients need multiple cycles or additional services, the total cost can rise to anywhere from $30,000 to $60,000. To reduce treatment expenses, many Minnesota residents choose to travel to more affordable clinics, like CNY Fertility, which provides high-quality care for around $10,000 per cycle, including medication and travel—significantly less than the usual costs. For IVF Grant Announcements, Fertility News and More!Automatically Included
Sample Payment Calculator: Self Pay Pricing
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National Average: {{total.national|toCurrency}}Additional IVF Services and Costs in Minnesota
The Cost of Multiple IVF Cycles
How Age Can Affect Cost
Does Insurance cover IVF in Minnesota?
Financing Options and Grants
Key Takeaways on IVF Costs in Minnesota
