Cost & insurance

Our self-pay IVF cycle fees are $8,900 for a Natural Cycle or Minimal Stimulation IVF cycle and $13,900 for a Standard Stimulation IVF cycle, each of which includes ICSI. A $1,000 facility fee covers the retrieval room and anesthesia. A frozen embryo transfer (FET) is $4,000. Medications, PGT, and long-term embryo storage are billed separately. Our financial coordinator gives you a written itemized estimate before you start — no surprise charges. Call 212-685-2229 for a personalized quote.

Yes. We also accept many health insurance plans. Our billing team verifies your benefits before you begin treatment and explains what your plan covers, what your out-of-pocket cost will be, and what pre-authorization is required. Bring your insurance card to your first visit or share it in advance.

The cost of IVF with insurance in New York can vary widely depending on your specific insurance plan and coverage details. Some plans include partial or full coverage for certain fertility services, while others may only cover diagnostic testing or medications. Even when IVF is covered, you may still be responsible for copays, deductibles, medications, or additional services such as genetic testing. Our team reviews your benefits and explains what may be covered before you begin, so you have a clear understanding of your potential out-of-pocket costs.

New York State's 2020 infertility mandate requires large-group commercial insurance plans (100+ employees) to cover up to three cycles of IVF. Small-group plans, self-funded employer plans, and out-of-state plans are exempt. Whether your specific plan is covered depends on the policy type — we verify this for you at consultation.

Insurance coverage for egg freezing depends on the reason for treatment and the details of your individual plan. In some cases, such as when fertility preservation is recommended before certain medical treatments, insurance may cover part of the egg freezing process. Elective egg freezing, done to preserve fertility for future family building, is usually not covered by insurance but may be supplemented by your employer. Our financial counselors can help you understand your benefits and discuss available options if egg freezing is not covered under your plan.

Whether preimplantation genetic testing is covered depends on your plan and your indication. Coverage is more likely where there is a known genetic condition in the family or in either intended parent. Plans often distinguish between embryo biopsy for a specific inherited condition and elective testing — for chromosome counts generally, or for sex selection. We will work with your insurer to establish what your plan allows.

IUI and standard diagnostic testing (bloodwork, ultrasound, HSG, semen analysis) are covered by many more insurance plans than IVF. Our self-pay fee for monitoring a natural or medicated cycle including IUI is $3,250. Even when IVF isn't covered, the diagnostic workup often is — we'll tell you specifically what's covered for you before you incur any cost.

Yes. Chelsea Fertility NYC offers a variety of financing options for patients who need assistance managing the cost of fertility treatment. Our financial coordinator reviews the available options with you before treatment begins and helps you plan for the total cost of care so that finances are not a barrier to starting your family.

A single cycle of elective egg freezing is $8,000, which covers the medical cycle. Medications and annual egg storage are billed separately. Some employers now include egg freezing as a benefit, often through administrators such as Progyny, Carrot, Maven, WINFertility or Stork Club. We'll verify your specific benefit if you're not sure. We offer a free consultation for new patients — call 212-685-2229 for a personalized estimate.

Donor egg cycles include donor compensation, agency or program fees, medications, the medical IVF cycle, and legal fees. Full gestational surrogacy adds carrier compensation, agency fees, health insurance for the carrier, and legal contracts on top of the medical IVF cycle — making surrogacy the most expensive path to parenthood. Our team walks you through the medical portion in detail and can help you plan for the total budget. We offer a free consultation for new patients — call 212-685-2229.

Yes — we offer pre-paid multi-cycle IVF packages. Two Standard Stimulation IVF cycles are $24,000 (used within six months) and three cycles are $35,000 (used within eight months). These packages don't include medications, PGT, or facility fee/anesthesia. Our financial coordinator can walk you through whether a package makes sense for your situation.

Grant and assistance programs exist for fertility care, particularly for medications, and we make our patients aware of the ones they may qualify for. As a small practice we can also work with you directly on a payment arrangement that fits your budget.

We offer a free consultation for new patients. We bill health insurance where the patient has coverage that applies; where not, the visit is offered at no charge as a courtesy first visit or second opinion.