General Cost Information
What will it cost?
The cost of preserving fertility depends on three main things:
- What steps will be needed. For example, steps may include: freezing sperm, freezing eggs, and freezing embryos (an unborn human in the earliest stage of growth)
- What medications will be needed. For example, expensive drugs are needed for ovulation induction with egg retrieval (a treatment to make an individual with ovaries and a uterus produce more than one egg)
- What is covered by insurance (if you have insurance)
Call your Insurance Company
Call your insurance company to find out what your plan covers, and if there are co-pays and deductible requirements.
Some Things to Remember
- Many insurance plans do not cover infertility screening and treatment costs.
- Many plans require prior authorization for fertility-related treatments.
- Some insurance policies have an annual or lifetime maximum for infertility benefits.
- In general, most major health insurance plans do not cover the cost of storing frozen sperm. Some sperm banks have monthly payment plans to make banking more affordable.
- Some insurance plans may not pay for semen analysis if it is going to be part of a sperm banking process.
Financial Information for Patients with Ovaries and a Uterus
Since every patient’s needs are unique, it is impossible to quote an exact price for everyone. Here are some Current Procedural Terminology (CPT) codes and estimated fees for the most common procedures in fertility preservation and assisted reproductive treatment (ART), such as in Vitro Fertilization (IVF). CPT codes are used to explain what medical services or procedures you received during a visit to the doctor. The codes are also used for billing.
| Procedure | CPT code | Estimated Cost |
| Initial office visit to a reproductive endocrinologist | S4030 | $300 |
| Ultrasound | 74740 | $500 |
| Egg retrieval | 58970 | $2,000 |
| Egg freezing | 89337 | $900 |
| Storing eggs, per year | 89346 | $800 |
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In Vitro Fertilization (IVF) Note: The total cost below is for one IVF cycle. Sometimes many cycles of IVF are needed before an individual with ovaries and a uterus becomes pregnant. Additional costs include medications, pre-testing, monitoring appointments, anesthesia, and facility costs. If fertility preservation plan includes IVF, plan for multiple ultrasounds and blood draws per IVF cycle. |
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| Assisted Reproductive Treatment Case Management | S4015 | $1,600 |
| Embryo freezing | 89258 | $800 |
| Storing embryos, per year | 89342 | $800 |
| Lab charges (for example, thawing of frozen embryos) | 89352 | $1,600 |
| Embryo transfer and preparation | 58974 | $1,100 |
| Frozen In vitro fertilization cycle | S4016 | $4,000 |
| Total costs | $13,600+ | |
Financial Information for Patients with Sperm
Since every patient is different, it is impossible to provide an exact price for everyone. Here are some Current Procedural Terminology (CPT) codes and estimated fees for the most common steps in fertility preservation. CPT codes are used to explain what medical services or procedures you received during a visit to the doctor. The codes are also used for billing.
| Procedure | CPT code | Estimated Cost |
| Initial office visit to a reproductive endocrinologist | S4030 | $300 |
| Semen analysis | 89320 | $200 |
| Semen preparation for freezing | 89123 | $300 |
| Sperm freezing | 89259 | $150 |
| Storing sperm, per year | 89343 | $600 |
| Total Costs | $1,550 + |
(adapted from http://www.fertilitycentermi.com/affording-treatments/ and https://www.cryochoice.com/pricing_sperm_banking.html )