What Does IVF cost in Massachusetts?
The average cost of in vitro fertilization (IVF) in Massachusetts typically ranges from $15,000 to $30,000 per cycle. The final cost depends on factors such as the clinic, the patient’s specific treatment plan, medications, and common 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 Massachusetts, available resources to make the process more affordable, and options to lower treatment costs by traveling to lower-cost clinics.
What Contributes to the Cost of IVF in Massachusetts?
A single IVF cycle in Massachusetts costs a minimum of around $15,000 and often exceeds $30,000, including medications.
The main reason for this variance is the prices that different clinics charge for identical services. Clinic location, reputation, size, and frankly arbitrary pricing choices all contribute to these cost differences.
For this reason, it’s crucial to compare clinic prices carefully to understand what’s included and ensure you’re comparing equivalent services.
Additionally, the total cost varies based on each patient’s specific needs and desires. Medication and treatment approaches will differ from one patient to the next.
That said, there are essential IVF services that all patients will need to complete an IVF cycle. Let’s turn to these next.
Required Services and Expenses for IVF
The bare minimum of required services that you will have to include in the base cost of an IVF cycle are:
- Monitoring Appointments: For tracking egg development and the uterine lining, these appointments help schedule the egg retrieval procedure.
- 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 in a petri dish) 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: 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.
A note medication costs: Clinics don’t usually advertise the cost of medications because medications are usually billed to a pharmacy, and from a marketing standpoint it allows them to present a lower cost.
Medication costs will increase bottom line by $2,000 to $7,000 per cycle. We’ll explain a bit more about medications in the section on add-on costs and services.
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 in the form of bundled IVF packages.
- 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, which includes fees for both the biopsy and lab testing. PGT often requires freezing embryos, leading to additional FET costs.
More Affordable IVF for Massachusetts Residents
Traveling out of state to lower-cost clinics, such as CNY Fertility in Albany, Syracuse, Rochester, and Buffalo, is one way to make IVF significantly more affordable.
For example, CNY Fertility’s IVF package, including medications, costs $5,769. This package 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
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 average at other Massachusetts clinics and the national average.
Use our cost calculator to get a personalized estimate for 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. Residents of Massachusetts can have a significant portion of their IVF treatment done at CNY Fertility Boston. CNY Boston is a satellite fertility clinic in Westborough, MA, offering consultations, fertility testing, ancillary services like IVIG and intralipids, Ovulation Induction and monitoring for other treatments like IUI, Egg Freezing, IVF, Donor Egg IVF, and more. Procedures (inseminations, egg retrievals, and embryo transfers) for treatments like IUI, Egg Freezing, and IVF are conducted in the nearby Albany, NY office. Yes, Massachusetts is one of the few states that mandate insurance coverage for infertility treatments, including IVF. In Massachusetts, health insurance plans must provide coverage for medically necessary infertility diagnosis and treatments. This includes multiple IVF cycles, though coverage specifics can vary by insurance provider and plan. Some important details regarding IVF coverage in Massachusetts include: Many Massachusetts 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 also an option. IVF grants can further reduce costs, with some even covering the full price of an IVF cycle. Several grants are available nationwide, including the CNY IVF Grant, open to all applicants and awarded monthly. 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. The average cost of IVF in Massachusetts typically ranges from $15,000 to $30,000 per cycle, including medications. Since most patients require multiple cycles or additional services, the total cost can increase to anywhere from $30,000 to $60,000. To help reduce treatment expenses, many Massachusetts residents opt to travel to more affordable clinics, such as CNY Fertility, which offers high-quality care for around $10,000 per cycle, including medication and travel—significantly lower 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}}CNY Fertility Boston
Does Insurance Cover IVF in Massachusetts?
Financing and Grants for IVF
Other Factors that Contribute to the Cost of IVF
The Cost of Multiple IVF Cycles
Age Can Affect Cost
The Takeaway
