Fertility Treatment Costs: Testing, IVF, and Surrogacy Breakdown

Fertility treatments like IVF and surrogacy can cost between $8,000–$230,000, with testing and insurance coverage varying by state. California law mandates coverage for some diagnostics but excludes IVF.

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Key Takeaways

IVF Surrogacy Costs: Breaking Down the $190,000–$230,000 Price Range

Gestational surrogacy includes surrogate compensation, legal fees, and medical procedures. Costs depend on agreement terms and state laws, with California being a common location for such arrangements.

California Infertility Coverage Laws: What’s Excluded (IVF, Surrogacy)

California mandates insurance coverage for fertility diagnosis and testing but explicitly excludes IVF. Patients should verify employer-sponsored plan specifics, as self-insured employers are exempt.

Egg Donation Cost Range: $8,000–$15,000 for Fresh or Frozen Eggs

Egg donation costs vary based on donor agency fees, egg retrieval methods, and medical care. Options suit individuals with diminished ovarian reserve or same-sex male couples using surrogacy.

Fertility Treatment Financing Tips: Saving Strategies and Payment Plans

Create a dedicated savings account, reallocate tax refunds, and inquire about clinic payment plans. Insurance companies must disclose infertility coverage benefits under California law.

Fertility Testing Costs Explained: $50–$5,000 for Diagnostics

Initial testing includes AMH, FSH, and imaging scans. Lab tests are cheaper ($50–$500), while imaging like hysterosalpingograms cost up to $5,000. Many insurers cover diagnostics but not treatments.

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