Embryo transfer costs in 2024 often depend on your chosen fertility clinic and the state you live in. Although these costs can vary, knowing what to expect can help you prepare for your journey to parenthood with confidence.
We’re here to breakdown the costs that go into the IVF and embryo transfer process, factors that can affect the cost and different ways you can get financial support for the surrogacy and embryo transfer process.
With our help, you’ll be on the right track toward having the family of your dreams.
We can help you find a surrogate when you’re ready.Have Embryos Created?
How Much Does Embryo Transfer Cost in 2024?
The average cost of an embryo transfer using frozen embryos is typically around $3,000-$5,000. The embryo transfer is one component of the overall IVF process, which falls between $9,000-$14,000. In surrogacy, the embryos you created will be transferred to your surrogate’s uterus. As intended parents, you will cover the costs of your surrogate’s embryo transfer.
The overall cost for embryo transfer will largely depend on the city or state the treatment is taking place at. Cities with a higher cost of living will often see an influx in cost due to the high operational costs for medical facilities. Local regulations and policies can also affect the cost of an embryo transfer and IVF. Reputable clinics boasting high success rates may charge more for their services. Because success rates and reputation often influence someone’s clinic preference, the demand for treatments increases therefore increasing the cost. As of June 2023, 21 states have passed fertility insurance coverage laws with mandates becoming more common. Although these coverage laws are a step in the right direction, there are still gaps and limitations in coverage. Always check with your insurance provider to understand your coverage options.Factors That Influence Embryo Transfer Costs
Breakdown of the Cost of Embryo Transfer
Although embryo transfer costs will vary depending on if you’re using fresh vs. frozen embryos, below are some average costs you can expect to see as you embark down the path to parenthood:
,000-,000 and typically varies depending on the clinic you work with. This can range from ,000-,000 and is often completely separate from the base IVF fee. This cost will vary depending on the type, duration and dosage. Typically included in the IVF base fee. These appointments involve bloodwork and ultrasounds to track the growth of follicles, uterine lining and hormone levels. Often included in the base IVF cycle fee. This process removes mature eggs from the ovaries and is minimally invasive. Up to 5 and is included the base IVF cycle fee. Anesthesia will be needed during the egg retrieval process. _ACCORDION,550-_ACCORDION,885, depending on your choice of egg donor profile and the number of eggs required for treatment. 0-,600, depending on your preferences for donor profile, sperm motility and delivery method. Can be up to _ACCORDION,000 and is included in the base IVF cycle fee. If not enough sperm is provided, the sperm is having trouble attaching to the egg, the egg has been frozen before the procedure or you’re planning to do genetic testing on an embryo, doctors may recommend ICSI.Embryo Creation Costs
,000-_ACCORDION,000 and includes several steps that may add to the cost of your IVF package. Doctors will need to expose the embryos to a cryoprotectant agent to prevent the formation of ice crystals. Then, the embryos will undergo a rapid freezing process called vitrification that also lowers the risk of ice crystals forming. 0-0 yearly with some clinics including a year of free storage in the base price of IVF. ,800-,000 for each test depending on if you’re doing preimplantation genetic testing-aneuploidy (PGT-A) which tests for extra or missing chromosomes, Preimplantation genetic testing-monogenic (PGT-M) which tests for specific gene mutations, preimplantation genetic testing – structural rearrangements (PGT-SR) which tests for inversions, translocations, deletions and or insertions within chromosomes or preimplantation genetic testing – polygenic disorders (PGT-P) which is a newer test that screens for the risk of polygenic diseases such as cancer, heart disease and diabetes. 0-,500 depending on if a fertility clinic prescribes progesterone shots before a frozen embryo transfer to help increase the odds of successful implantation. It’s usually included in the IVF cycle fee but can be up to ,400 depending on timing, previous attempted transfers and the clinic you work with. At some clinics, if you don’t attempt a fresh transfer, the first frozen transfer is often included in the base fee. At other clinics, the FET is often an additional fee.Frozen Embryo Transfer Costs
Affording Surrogacy and Embryo Transfer Costs
While the IVF and the embryo transfer process can be an investment, there are many programs that can help make surrogacy and IVF treatment more affordable. While you may be more inclined to choose a fertility clinic with lower prices, it’s important to look at success rates before choosing a clinic.
If a fertility clinic has low prices and success rates, multiple IVF cycles may be needed making a cheaper clinic not worth the price.
Fertility Treatment Grants and Scholarships
There are many non-profit organizations that provide fertility treatment programs that can help make your journey to parenthood more affordable such as:
IVF Loans
Although credit and income can affect the rates of IVF loans, this can be a good way to have access to funds you need the same day you apply. The best IVF financing will all depend on how much you need and how quickly you can get the funds. Using a personal loan on IVF can be a lifesaver if you’re waiting on insurance approval or if you need more cash for expenses upfront.
With IVF loan amounts available for up to $100,000 at some lenders, you’ll be able to have enough funds to pay for a cycle at a top ranked clinic in order to approve your chances of success.
Fertility Clinic Refund Programs
Some fertility clinics offer programs that will give you a full or partial refund if an IVF treatment is not successful. An IVF refund package will typically be a flat fee for three to six cycles, though some programs offer a partial refund after just one cycle.
The flat fee is sometimes less than what you’d pay if you were paying for cycles individually. These refund programs are often run by the clinics themselves and other times handled by an outside financial agency.
We know that you want nothing more than to have the family of your dreams. By understanding the embryo transfer costs, you’ll be able to embark on your journey to parenthood knowing what to expect every step of the way.
If you need help connecting with a fertility clinic or if you have embryos that are ready for transfer, contact us online now for the next steps in your surrogacy journey.