In vitro fertilization (IVF) can help make parenthood possible, but many hopeful parents worry about the cost. The team at Reproductive Medicine Associates (RMA) understands this concern. We also know that learning more about IVF cost in New Jersey can empower our patients.
Our fertility specialists are here to explain what is and what isn’t included in the cost of IVF in New Jersey. We also highlight different ways to pay for the fertility care you need.
What Are the Average Out-of-Pocket Costs for IVF?
According to fertility benefits provider Carrot, the average IVF cycle in the United States costs $23,474 in 2026. Medications and genetic testing can increase this total.
As you research IVF cost in New Jersey, you’ll notice that totals can start at $10,000 and go up to $30,000 or more. The cost of IVF in New Jersey varies depending on a wide variety of factors, including:
- The practice you choose
- Your IVF treatment plan
- Your diagnosis and needs as a patient
- Your insurance coverage and benefits
Both the overall cost of IVF and the cost of related services can vary, as shown in the chart below.
| IVF Expense | Average Cost |
|---|---|
| Base fee for monitoring, egg retrieval, fertilization, and embryo transfer | $8,000-$14,000 |
| Fertility medications and injections | $3,000-$7,000 |
| Intracytoplasmic sperm injection (ICSI) | $1,000-$3,000 |
| Preimplantation genetic testing (PGT) | $4,800-$6,000 |
| Embryo freezing | $1,000-$2,000 |
| Annual storage fee for frozen embryos | $500-$1,000 |
| Donor sperm | $1,000-$1,500 |
| Donor eggs | $20,000-$60,000 |
What Is Included in IVF Cost in New Jersey?
Standard IVF cycles involve several steps, including ovarian stimulation, an egg retrieval procedure, fertilization in the lab, and an embryo transfer procedure.
As you explore IVF cost in New Jersey, you’ll find that some practices charge a fee for IVF that only covers some of these steps. For example, a practice’s IVF fee may only cover the egg retrieval and embryo transfer procedures. This means you’d have to pay extra for services like genetic testing and embryo freezing.
Based on your diagnosis and family-building goals, your physician will recommend a personalized treatment plan. From there, you’ll have time to review your options and make a decision that feels right for you. Throughout the process, our goal is to provide clear, transparent pricing so you always know what to expect.
After your first appointment at RMA, you’ll meet with a dedicated financial advisor who will guide you through your options for affording care. We work with most major insurance providers and trusted financial partners, and we handle the legwork for you by contacting them directly on your behalf.
RMA also offers the CareShare IVF Refund Program, designed to provide greater financial confidence. With one fee that covers more than just the basics, this program includes the following services:
- Cycle monitoring during ovarian stimulation
- All IVF procedures, including the egg retrieval procedure
- Intracytoplasmic sperm injection (ICSI) is used to fertilize each egg by injecting a single sperm
- Embryo biopsy and preimplantation genetic testing for aneuploidy (PGT-A)
- Frozen embryo transfer (as available)
- Frozen embryo storage for the first 18 months
A single fee covers up to six IVF cycles, and you’ll receive a 100% refund if you do not have a baby after six cycles.
What’s Not Included in IVF Costs?
Some insurance plans will cover fertility testing. However, IVF treatment fees do not include the injectable medications you will take for ovarian stimulation. This is true both at RMA and other practices.
While our practice’s CareShare IVF Refund Program does include the following services in the IVF cost in New Jersey, other clinics may not.
- Intracytoplasmic sperm injection (ICSI)
- Preimplantation genetic testing (PGT) to screen embryos for chromosomal abnormalities
- Annual storage fees for embryos in frozen storage
By including these services in a single fee, RMA helps make the cost of fertility care more predictable and affordable.
Ways to Make IVF More Affordable
It’s common to feel overwhelmed when you learn about IVF cost in New Jersey. To help you access the fertility care you need and deserve, Reproductive Medicine Associates offers several ways to make fertility treatment more affordable.
This includes our CareShare IVF Refund Program, which allows you to pay one fee for up to six rounds of IVF. It also gives you a refund if you don’t have a baby after six treatment cycles. RMA also offers various other multi-cycle discount programs for self-pay patients.
Fertility Insurance and Benefits Programs at RMA New Jersey
If you have coverage for fertility care under the NJ IVF mandate, it can lower your out-of-pocket costs. This mandate requires group health insurance policies that cover more than 50 people to include coverage for infertility diagnosis and treatment. This includes IVF when deemed medically necessary by your doctor.
Our New Jersey location accepts most major insurance plans and benefits programs, including:
- Aetna
- Amerihealth
- Carrot Fertility
- Cigna
- Horizon Blue Cross Blue Shield
- Maven
- Progyny
- Qualcare
- United Healthcare
- WINFertility
If you don’t see your insurance provider listed above, please contact our office. Our team can help determine whether you have fertility coverage or benefits through your plan.
Fertility Financing at RMA New Jersey
Another way to make IVF more accessible is to use fertility financing. Our New Jersey location accepts the following financing options that allow you to pay for your treatment over time:
- Gaia
- Lending Club
- PatientFi
Fertility Grants and Scholarships
Some organizations also offer fertility grants and scholarships to finance the cost of care. Two examples include:
- RESOLVE: The National Infertility Association
- The Chick Mission for cancer patients seeking fertility preservation services
RMA’s Exclusive Sesame/Costco Offering
RMA is proud to partner with Sesame and Costco to offer even greater cost savings for our patients. If you come to RMA through Sesame and are a Costco member, self-pay patients are eligible for 10% off their treatment, plus up to 80% off on fertility medications through Costco’s fertility pharmacy. Learn more or enroll here.
Learn How RMA Can Make Fertility Care More Affordable
If you have questions about IVF cost in New Jersey and ways to make care more affordable at our practice, the RMA team can help you. Our financial counselors are experts in fertility insurance coverage and the NJ IVF mandate. They can also help you learn more about our innovative CareShare 100% IVF Refund Program.
Contact us to speak with one of our financial counselors to learn more about financing IVF treatment.
