What Does IVF Cost in Montana
If you’re considering IVF in Montana, cost is probably one of the biggest factors you’re weighing. Knowing the typical price of a cycle, along with any additional services that may come up, can make a big difference in how you plan and budget for the journey ahead.
In this guide, we’ll walk you through what IVF usually costs in Montana, including common add-ons that can raise your total expenses.
We’ll also explore whether looking beyond cities like Billings, Missoula, Great Falls, and Bozeman to more affordable out-of-state clinics might help you access high-quality care at a price that fits your financial needs.
What Influences the Cost of IVF in Montana?
In Montana, the cost of a single IVF cycle, including standard fertility medications, typically ranges from $15,000 to $25,000.
Why such a wide range? Much of it depends on how each fertility clinic structures its pricing. Two clinics may offer nearly identical services but charge very different prices.
Your individual treatment plan also has a major impact. Add-ons like frozen embryo transfer (FET), preimplantation genetic testing (PGT), and extended embryo storage can add another $5,000 to $15,000 to your overall costs, depending on your specific medical situation and fertility goals.
In light of these factors, it’s important to get a detailed, itemized quote before starting treatment, so you understand exactly what’s included and where extra charges crop up.
What’s Typically Included in an IVF Cycle in Montana
If you’re planning to start IVF in Montana, it’s important to know what a standard cycle usually involves, both in terms of procedures and potential costs.
While each clinic may organize its services a little differently, most IVF treatments follow a similar structure:
- Monitoring Appointments: During ovarian stimulation, you’ll have several visits for ultrasounds and bloodwork. These appointments help your care team track follicle development and adjust your medication doses to give you the best chance of producing healthy eggs.
- Egg Retrieval: Once your follicles are ready, your eggs are collected during a brief outpatient procedure performed under light anesthesia. This is typically done at the fertility clinic and does not require hospitalization.
- Fertilization: After retrieval, the collected eggs are fertilized in the lab, either through conventional IVF or intracytoplasmic sperm injection (ICSI), which is often recommended when male-factor infertility is involved.
- Embryo Development: Over the next few days, embryologists monitor the embryos’ growth and quality. The healthiest embryos are either transferred to the uterus or frozen for future use.
- Embryo Transfer: Depending on your specific case, you may have a fresh embryo transfer a few days after fertilization, or you might wait for a frozen embryo transfer (FET)—especially if you’re undergoing genetic testing or need additional time for your body to recover.
- Fertility Medications: Fertility medications are essential for stimulating the ovaries and preparing the uterus for implantation. In Montana, medication costs typically range between $2,000 and $7,000 per cycle, depending on your prescribed treatment plan and how your body responds.
Additional IVF Costs to Be Aware of in Montana
While the base cost of IVF in Montana usually covers the essential steps of treatment, many patients undergo additional services, whether medically necessary or elective.
Depending on your specific needs and the clinic you choose, these add-ons can increase your expenses by $5,000 to $15,000 or more.
- IVF Medications: We’re mentioning medications again here because they are often billed separately from the main procedure. These medications stimulate the ovaries and prepare the uterus for implantation. In Montana, medication costs generally range between $2,000 and $7,000 per cycle, depending on your treatment plan and individual response.
- Embryo or Egg Freezing & Storage: Many patients choose to freeze extra embryos or eggs for future use. The cost for the initial freezing and one year of storage typically ranges from $600 to $1,000, with additional annual storage fees applying thereafter.
- Frozen Embryo Transfer (FET): If you plan to delay your embryo transfer or use stored embryos later, a frozen embryo transfer (FET) will be required. FET cycles in Montana typically cost around $4,000, although prices may vary depending on the clinic and specific protocols.
- Preimplantation Genetic Testing (PGT): PGT is used to screen embryos for genetic or chromosomal abnormalities before transfer, and is often recommended for older patients or those with a history of miscarriage or genetic concerns. PGT—including biopsy and lab analysis—typically costs around $4,500. Because embryos must be frozen for testing, a separate FET cycle is also necessary.
- Donor Eggs: If donor eggs are needed, the total cost can vary widely. Some lower-cost programs, such as those at CNY Fertility, offer donor egg IVF packages starting around $14,000. However, at many clinics, costs can range from $25,000 to $40,000 or more, covering donor compensation, medications, and legal fees—but often not including additional services like PGT or multiple embryo transfers.
- Implantation & Immune Support Treatments: For patients facing recurrent implantation failure or pregnancy loss, some clinics recommend immune therapies like intralipid infusions, low-dose naltrexone, or IVIG. These treatments can add another $500 to $5,000 to your overall IVF expenses.
Age and Number of IVF Cycles
National data shows that about 25% of patients conceive after their first IVF cycle, with success rates reaching around 50% per cycle for women under 35.
For women over 40, success rates are generally lower, mostly because of natural declines in egg quality. This means some patients may need multiple IVF cycles, additional procedures like preimplantation genetic testing (PGT), or even consider using donor eggs to improve their chances of success.
Factoring in these possibilities can help you better prepare both emotionally and financially for the journey ahead.
Affordable IVF Options at CNY Fertility for Montana Residents
If you live in Billings, Missoula, Great Falls, Bozeman, or anywhere else in Montana and are facing high IVF costs locally, traveling to CNY Fertility is a smart way to access top-quality care at a much lower price.
Many Montana patients choose to complete their monitoring appointments close to home, then travel to a CNY location for the key stages of treatment, saving thousands without sacrificing excellent medical care.
CNY Fertility offers comprehensive IVF packages starting at just $5,769, with standard fertility medications included.
What’s Included in CNY’s IVF Package
Egg Retrieval with Anesthesia – A minimally invasive outpatient procedure to collect mature eggs.
ICSI Fertilization – A precise method where a single sperm is injected into an egg, often recommended for male-factor infertility.
Embryo Culture & Monitoring – Embryos are carefully monitored in a state-of-the-art laboratory to support healthy development.
Assisted Hatching (AH) – Helps embryos implant by thinning the outer shell before transfer.
Fresh Embryo Transfer – Healthy embryos are transferred into the uterus just a few days after fertilization.
Cryopreservation – Extra embryos can be frozen for future use.
Standard Medication Protocol – Includes the primary medications needed to stimulate the ovaries and support egg development.
Unlike many clinics that charge separately for services like ICSI or embryo freezing, CNY includes these services in their base IVF package—helping you avoid surprise costs later on.
Additional Costs for Montana Patients
Local Monitoring – Most patients complete blood work and ultrasounds at a nearby clinic, typically costing around $995. Depending on your insurance, some of these costs may be covered.
Remote Cycle Management Fee – CNY charges a $150 fee to coordinate care with your local provider.
Is Traveling to CNY Worth It for Montanans?
Even after adding travel costs like flights, hotels, and meals, many patients from Billings, Missoula, and other Montana cities complete a full IVF cycle for under $10,000—far less than the cost of IVF at local clinics and nationally.
Ready to Explore Your Options?
Use CNY Fertility’s online cost calculator to get a personalized estimate, and schedule a consultation to see if this option fits your budget and family-building plans.
{{ 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. 1 USD = {{currency.rates[currentCurrency]}} {{currentCurrency}} Currently, Montana does not have a state law that requires insurance companies to cover in vitro fertilization (IVF) or other fertility treatments. As a result, most individuals and couples pursuing IVF will need to pay for treatment out of pocket—unless their specific health insurance plan includes fertility benefits. Some employer-sponsored insurance plans may offer limited fertility coverage, such as diagnostic testing, fertility consultations, or medications. However, full IVF services, including egg retrieval, fertilization, and embryo transfer, are usually not covered under standard policies. Check with you HR department or insurance provider directly for details. In Montana, the cost of a single IVF cycle typically ranges from $15,000 to $25,000 when standard fertility medications are included. Your total cost will depend on factors like the clinic you choose, your specific medical situation, and whether you opt for, or need, additional services like embryo freezing, frozen embryo transfers (FET), or genetic testing. If cost is a consideration, it’s worth exploring options outside of Montana. Clinics like CNY Fertility offer all-inclusive IVF packages starting at just $5,769—with standard fertility medications already included in the price. For IVF Grant Announcements, Fertility News and More!Automatically Included
Sample Payment Calculator: Self Pay Pricing
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IVF Costs in Montana: What to Expect
