Fertility and Reproductive Health

IVF, egg freezing, donor cycles, surrogacy, and fertility preservation

Fertility procedures are among the highest-value cash-pay decisions in healthcare. A single IVF cycle averages $18,000 to $30,000 all-in, donor egg cycles run $35,000 to $50,000, and surrogacy can exceed $150,000. Insurance coverage varies by state (21 states have some IVF mandate as of 2026), and even covered patients typically pay for medications, genetic testing, and additional cycles out of pocket. Success rates by clinic and patient age are among the most-searched and least-clearly-answered queries online.