What Does IVF Cost in New Jersey?
In New Jersey, the average cost of a single IVF cycle typically ranges from $12,000 to $30,000, with medications adding an additional $3,000 to $7,000. This price can vary depending on the clinic, specific treatments required, and additional services like Preimplantation Genetic Testing (PGT) or embryo freezing. The overall cost can increase significantly if multiple cycles are needed, which is often the case for many patients.
This article explores the factors affecting IVF pricing in New Jersey, available financial assistance options, and potential savings by exploring clinics in other states that offer lower-cost treatments.
What Determines the Cost of IVF in New Jersey?
Most IVF clinics in New Jersey advertise the cost of a single cycle, ranging from $12,000 to $23,000, with medications adding $3,000 to $7,000.
Variations in pricing are mostly a result of clinics charging different prices for identical procedures. However, reputation, location, and success rates can influence these choices.
Furthermore, you may need or choose additional services that will enhance your likelihood of success.
Essential IVF Services
When pricing your IVF journey, there are a handful of essential services that are typically included in the advertised cost of an IVF cycle.
If any of the following services are omitted from the price you are quoted, you will need to find the cost of the service and add it in.
Essential IVF services 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: 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 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.
An Important Note on Medications: Clinics don’t usually advertise the cost of medications because they are usually billed to a pharmacy. From a marketing standpoint, not revealing these costs upfront allows clinics to advertise a lower cost.
However, medications are used in nearly all IVF cycles and will increase your bottom line by $2,000 to $7,000 per cycle.
How New Jersey Residents Can Save on IVF
Getting the lowest cost IVF often means traveling out of state to less expensive clinics. CNY Fertility has ten clinics throughout the U.S. where IVF packages, including medications, cost under $10,000 per cycle.
The closest and most convenient CNY locations for most New Jersey residents are our clinics in New York (Syracuse, Rochester, Albany, and Buffalo).
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
Travel patients will need to budget for monitoring at their local clinic ($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 9 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 offered at significant discounts compared to the average in New Jersey and across the nation.
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 New Jersey. 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 an FET ranges from $995 at clinics like CNY to as much as $4,000 at other New Jersey clinics. Preimplantation Genetic Testing (PGT): PGT identifies genetic conditions or determines 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 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. These additional costs highlight the importance of careful planning and comparison when selecting fertility services. Yes, under the New Jersey Family Building Act, New Jersey is one of the states that mandates insurance coverage for infertility treatments, including IVF. However, this mandate requires certain insurance plans to cover infertility services for NJ residents, the specifics of coverage depend on several factors: Infertility: To qualify for coverage, individuals must prove infertility after attempting conception for a certain period (one year for women under 35 and six months for women over 35). Group health insurance policies: The mandate applies to health insurance policies provided by employers with more than 50 employees. Self-insured employer plans and federal employee insurance plans are not part of the mandate. Services: The mandate covers diagnostic testing, ovulation induction, intrauterine insemination (IUI), and up to four cycles of IVF with certain limits. Coverage also includes fresh and frozen embryo transfers, medications, and procedures such as embryo cryopreservation. Age and lifetime limits: Coverage applies to women up to age 45 and allows up to four egg retrievals over a lifetime. You will have to check with your insurance provider for specific details. Coverage can vary, and some plans may impose additional limitations on services, including preauthorization requirements or out-of-pocket costs. Many clinics have financial counselors who are experienced in navigating the state’s infertility coverage requirements. Many fertility clinics in New Jersey 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 New Jersey generally falls between $15,000 and $30,000 per cycle, including medications. Since many patients require multiple cycles or additional services, the overall cost can range from $30,000 to $60,000 or more. To lower the costs, New Jersey residents can travel to more affordable clinics, such as CNY Fertility, where IVF treatments are offered for approximately $10,000 per cycle, including medications and travel expenses, which is significantly less than the typical price 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 New Jersey
The Cost of Multiple IVF Cycles
How Age Can Affect Cost
Does Insurance cover IVF in New Jersey?
Financing Options and Grants
Key Takeaways on IVF Costs in New Jersey
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