The Cost of IVF in Colorado

By CNY Fertility Published on October 19, 2024

In Colorado, the cost of In Vitro Fertilization (IVF) can vary widely, with prices ranging from $5,769 (at CNY Fertility) to over $30,000 at many other clinics. On average, one cycle of IVF in Colorado costs about $24,000.

These expenses can fluctuate depending on factors like the fertility clinic, medication, and additional services required.

This article outlines the key components of IVF costs in Colorado and offers strategies for making the process more affordable.

Factors Affecting the Cost of IVF in Colorado

IVF treatments in Colorado may be advertised for as little as $5,769, but some clinics can charge over $30,000.

The reason for this wide price range is that IVF packages are mainly a result of clinics charging wildly different prices for identical services.

Additionally, the cost of your IVF journey will depend on your specific needs and desires. Add-on services like genetic testing(PGT), frozen embryo transfers (FET), and multiple cycles can all add significantly to your bottom line.

Before discussing the costs of additional services, let’s break down the bare bones of what you’ll need to account for when determining the cost of IVF.

The key components that typically constitute IVF costs in Colorado include:

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 the laboratory, eggs are fertilized, either through conventional IVF or Intracytoplasmic Sperm Injection (ICSI).

Embryo Development/Culture: Embryos are grown in the lab for 3-7 days after fertilization.

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.

Medications: Although not always itemized by clinics, 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.

IVF Costs at CNY Fertility, Colorado Springs

At our CNY Colorado Springs location a single IVF cycle, including medications, can be done with our most popular IVF package for $5,769.

This package includes:

Egg retrieval with anesthesia

ICSI fertilization

Embryo culture and development

Assisted Hatching (AH) to help embryos implant

Fresh embryo transfer

Cryopreservation of remaining embryos

Medications (CNY’s most common stimulation protocol)

Note that our package price includes components that may not be included at other clinics (ICSI, Assisted Hatching, Anesthesia). However, our package does not include everything required for a full IVF cycle. We are transparent about these exclusions, and there are reasons for them.

Required Add-On Services

Monitoring: For local patients, monitoring costs an additional $995. We don’t include this fee in our base price because many insurance policies cover it. Additionally, many CNY patients travel from out of state or abroad and prefer to do their monitoring locally, allowing them to limit their time at our locations to just a few days.

For traveling patients, CNY requires:

Remote Cycle Management: $150

Local Monitoring Fees: Patients must pay for required ultrasounds and bloodwork at their local facility, typically around $1,500.

Additional travel expenses: cost of driving or flying to CNY Colorado Springs, and hotel accommodation for 2-7 nights.

Learn more about traveling for care at CNY here.

Use our cost calculator to get a personalized estimate tailored to your specific needs. Then schedule a consultation to begin your family-building journey.

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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.

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Additional Costs Beyond Basic IVF Services

In addition to basic IVF services, most patients will want or need additional services that can increase the total cost of an IVF cycle.

As with our basic IVF packages, CNY offers add-on services at a fraction of the average cost in Colorado and nationally.

IVF Medications: Though CNY includes the cost of medications in our packages, most clinics do no. Medications are used in over 99% of IVF cycles and account for one of the largest costs associated with IVF treatment. 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): The average cost of an FET in Colorado is around $4,000, but CNY Fertility offers FETs for as low as $995. FETs are often necessary for patients with multiple embryos or those who cannot proceed with a fresh transfer immediately.

Preimplantation Genetic Testing (PGT): PGT screens embryos for genetic disorders or chromosomal abnormalities before transfer. This testing costs between $4,500 and $7,000, including biopsy fees and testing by the genetics lab. Since PGT requires embryos to be frozen, this incurs additional cryopreservation and FET costs.

Donor Eggs: Using donor eggs can significantly raise the overall cost of IVF treatment, with expenses ranging from $30,000 to $60,000 or more

Donor Sperm: Whether due to male infertility, single parenthood, or same-sex couples looking to start a family, using donor sperm in IVF offers a viable path to parenthood.

Gestational surrogacy: Surrogacy adds substantial costs to fertility treatments. In Colorado, surrogacy expenses can range from $60,000 to $130,000

Cost of Multiple IVF Cycles

Achieving a healthy pregnancy through IVF often requires more than one cycle. According to the Society for Assisted Reproductive Technology (SART), only about 26% of patients succeed on their first attempt. For the majority—around 74%—multiple cycles, typically two to three, are necessary to achieve a successful pregnancy and live birth.

Insurance Coverage for IVF in Colorado

In Colorado, insurance coverage for IVF (in vitro fertilization) can vary depending on your specific insurance plan and provider. However, the state has made significant strides toward mandating fertility coverage. In 2020, Colorado passed legislation (House Bill 20-1158) requiring large-group health insurance plans to cover the diagnosis and treatment of infertility, including IVF.

Key points of Colorado’s fertility insurance law include:

Coverage for fertility preservation: For individuals undergoing medical treatments, such as chemotherapy, that may lead to infertility.

Infertility diagnosis and treatment: Insurance plans must cover a range of fertility treatments, including IVF, for those who meet specific criteria (such as not being able to conceive after a year of unprotected intercourse or 6 months for women over 35).

Lifetime limits: The law prevents insurers from imposing arbitrary lifetime limits on the number of IVF cycles, though some restrictions (e.g., related to the number of embryos transferred) may still apply.

However, the law primarily applies to large-group insurance plans (50 or more employees). If you have an individual or small-group plan, you may not be covered under this mandate.

It’s important to check with your specific insurance provider to understand your coverage and any restrictions.

Financing and Grants

Many fertility clinics in Colorado offer financing options, either through in-house plans or third-party lenders. Additionally, grants are available to help make IVF more affordable, such as the CNY IVF Grant, which provides financial assistance to eligible patients.