IVF Costs

Will my insurance cover the cost IVF?

Does my insurance cover other IVF associated treatments?

Will I be able to afford IVF?


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Insurance and billing FAQs

There are many questions that come to the minds of patients who first learn about their fertility diagnosis and the cost of treatments. The answer to all of these questions can be complex and will vary with each patient. Prior to doing anything, you should schedule an appointment to discuss your diagnosis and needs. The Fertility Institute of Hawaii infertility specialists will be able to give you answers to most of your financial questions during your initial visit. You may also want to refer to our list of Billing Frequently Asked Questions, pdf document.

You may also contact the Fertility Institute of Hawaii’s billing office (808.545.2800) to discuss your insurance and financial questions. For more general information about insurance and insurance options please visit our insurance information page.

What is the cost for In Vitro Fertilization (IVF)?

The cost of IVF varies based on a patient’s particular needs and insurance coverage. If you have a Hawaii-based insurance plan, your insurance may cover IVF with out-of-pocket co-pay or pre-payment expenses varying between $3,000 and $6,000 depending on insurance. Our billing team can confirm your insurance and co-pay prior to starting your IVF cycle.

Without insurance, IVF ranges between $8,000 to $13,000 plus medications which range from $3,000 to $8,000. There are added costs for those wishing to cryopreserve their embryos or eggs during the IVF cycle or do genetic testing (PGS) on their embryos. Other therapies such as donor sperm, donor egg, or gestational carrier IVF will increase the costs as well. In order to give you an accurate assessment of the individual cost and how costs can be contained, an evaluation and consultation is required. There are typically many options available for infertile patients and the costs will vary depending on diagnosis and the treatment desired or required.

We have partnered with several financial service companies who may be able to assist you. For more information about these companies and options for financing your treatment, please visit our fertility financing options page.

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