Chelsea Fertility NYC uses a transparent, itemized pricing model. You will receive a written estimate before you begin treatment, based on your specific protocol and insurance benefits. This page explains how our pricing is structured.
How our pricing works
Rather than a single lump-sum "package price," we bill the components of your care separately. This keeps your cost tied to the treatment you actually receive and lets your insurance apply to the covered pieces. Your written estimate itemizes:
- Physician fees for consultation and cycle management
- Monitoring visits (ultrasound and bloodwork)
- Egg retrieval and anesthesia (for IVF)
- Embryology lab fees, including ICSI when indicated
- Embryo transfer
- Optional services: PGT, cryopreservation, storage, donor materials
What the IVF cycle fee includes
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 separate $1,000 facility fee covers the retrieval room and anesthesia. A frozen embryo transfer is $4,000. Our self-pay fee for monitoring a natural or medicated cycle, including IUI, is $3,250. The full price list covers egg freezing and donor egg services as well.
What is billed separately
Medications, preimplantation genetic testing and long-term embryo and egg storage are billed separately from the cycle fee — annual storage fees run $1,000 to $1,500 per year depending on the package length. Fertility medications are billed through a specialty pharmacy, not through our office; costs vary based on your protocol, dose and insurance coverage, and we prescribe the lowest effective dose for your response. Pricing for PGT-A is available on request.
Multi-cycle packages
We offer pre-paid multi-cycle IVF packages: two IVF cycles for $24,000, to be used within a six-month period, and three cycles for $35,000, to be used within an eight-month period. These packages do not include medications, PGT, or the facility fee and anesthesia. Our financial coordinator can walk you through whether a package makes sense for your situation.
How insurance interacts with self-pay in New York
We also accept many health insurance plans. 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, so whether your specific plan is covered depends on the policy type — we verify this for you at consultation.
Even when IVF is covered, you may still be responsible for copays, deductibles, medications, or additional services such as genetic testing. If we do not participate with your insurance, we will accept your consignment payment as payment in full — please note that this excludes facility fee, anesthesia and medications. Our insurance coverage page lists the plans we participate with and what to confirm with your provider before you start.
IUI and standard diagnostic testing — bloodwork, ultrasound, HSG and semen analysis — are covered by many more insurance plans than IVF. Even when IVF isn't covered, the diagnostic workup often is, and we'll tell you specifically what's covered for you before you incur any cost.
What happens next
Our financial counselors meet with you individually to review your insurance coverage, calculate an exact cost for treatment, and discuss payment plans and financing. You receive a written, itemized estimate before you start — no surprise charges. Consultation is free for new patients; we bill health insurance where you have coverage that applies. Chelsea Fertility NYC also offers a variety of financing options for patients who need assistance managing the cost of treatment, so that finances are not a barrier to starting your family.
More questions about cost and coverage are answered in our cost and insurance FAQ.
Ready for a written estimate? Contact our team to schedule a consultation and insurance verification.