At the Center for Reproductive Medicine (CRM), we’ve been Central Florida’s leading fertility center since 1985, helping deliver more than 6,000 babies with over a century of combined expertise. We know treatment costs can feel overwhelming, which is why we provide clear guidance, transparent pricing, and personalized financial support from the start. Serving Orlando, Winter Park, Lake Nona, Celebration, and the Greater Central Florida area, CRM is proud to offer compassionate, expert care on your path to parenthood.
Navigating the financial side of fertility care can feel overwhelming, but at CRM in Orlando, you're never alone. We believe that financial clarity is just as important as clinical care. From your first consultation through each phase of your journey, our experienced team is here to help you feel informed, empowered, and confident in understanding your fertility treatment costs and coverage options.
Verify Benefits Directly: Before you even step into our clinic, our Financial Counselors begin working on your behalf. We contact your insurance provider directly to verify your fertility coverage, outlining what’s included, what isn’t, and what your potential out-of-pocket expenses may be. This ensures that when you come in for your consultation, you have clear expectations — no surprises, no confusion.
Fertility Care Insurance Coverage Guidance: Fertility insurance can be complicated, but we’re here to make it simple. Whether your plan offers full, partial, or no fertility coverage, our team will break it down in clear, easy-to-understand terms. We’ll help you identify exactly which services, such as IVF, IUI, egg freezing, or cryo storage, are covered under your plan and show you how to maximize your benefits. Our goal is to eliminate guesswork and help you move forward with confidence.
Financing & Payment Options: If your insurance does not fully cover your treatment, don’t worry. We offer a variety of flexible financing and payment solutions to make fertility care more accessible. Once your individualized treatment plan is in place, your dedicated Financial Counselor will go over costs in detail, review available financing programs, and help you find a payment option that fits your budget and goals.
Every fertility journey is unique, and the fertility treatment costs can vary depending on your personalized care plan, medication needs, and insurance coverage. Once your treatment plan is established, your dedicated Financial Counselor will meet with you to walk through a clear and detailed breakdown of your fertility treatment costs and insurance benefits, so you know exactly what to expect.
At CRM, we’re with you every step of the way, offering not only world-class fertility care, but also the financial support you need to make your dream of parenthood a reality. From the moment you walk through our doors, our goal is to simplify your experience so you can focus on what matters most: building your family.
The costs outlined here are for patients who do not have insurance coverage for their fertility treatments. We're happy to help identify potential coverage and alternative financing options.
IVF Costs
When considering in vitro fertilization (IVF), knowing what to expect financially is crucial for your treatment planning. CRM is committed to providing upfront, transparent pricing to help guide you through your available options.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, conventional insemination, embryo culture, embryo biopsy, cryopreservation of embryos, and 1 year of storage.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, conventional insemination, embryo culture, cryopreservation of embryos, and 1 year of storage.
How much does IVF cost in Central Florida?
The cost of IVF in Central Florida can vary depending on several factors, including whether you choose to include genetic testing (PGT), the medications needed, and any additional services. On average, IVF with PGT starts at $15,000, while IVF without PGT typically starts at $12,500. Before beginning your treatment cycle, every patient meets with our dedicated Financial Counselors to explore all available payment options, including insurance benefits and flexible financing programs designed to support your care.
For personalized estimates and to learn more about available financing options, please reach out to our financial counselors.
Egg freezing offers individuals the opportunity to preserve their fertility for the future. At CRM, we provide clear and transparent pricing to help you plan for your egg freezing journey.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, cryopreservation of retrieved oocytes, and 1 year of storage; optional to add in medication.
How much does egg freezing cost in Central Florida?
The cost of egg freezing in Central Florida varies based on your individual treatment plan.. The complete process, including medication when needed, typically ranges between $8,500 and $13,000. These costs may fluctuate depending on your specific protocol and any additional services, such as long-term storage or future fertilization procedures.
Intrauterine insemination (IUI) is a common and cost-effective fertility treatment option that can enhance the potential for pregnancy. Here’s a breakdown of the costs associated with IUI:
Inclusive of ultrasounds, sperm wash, and insemination
How much does IUI cost in Central Florida?
The cost of IUI in Central Florida can vary based on individual factors, such as the type and amount of medication needed, which depends on your specific response to treatment. While the cost of the IUI procedure itself may differ based on your personalized plan, it typically starts at around $1,500. IUI is often considered an initial treatment option before moving on to more advanced procedures like IVF.
Frozen embryo transfer (FET) is a vital part of many fertility treatment plans, particularly for those who have undergone IVF and are using frozen embryos. Our FET services are inclusive of ultrasound monitoring, embryo thaw and prep, and embryo transfer.
$4,500 – $7,000
How much does FET cost in Central Florida?
The cost of frozen embryo transfer (FET) in Central Florida typically falls between $4,500 and $7,000, depending on your personalized treatment plan. This fee includes the ultrasound monitoring, thawing, and transfer process, while medications and other individualized treatments may incur separate charges.
When it comes to fertility treatment costs, no two journeys are exactly alike. At CRM in Orlando, we’re committed to providing clear, upfront guidance to help you make informed decisions. With more than 100 years of combined experience, we offer both clinical expertise and financial transparency to support you every step of the way.
The treatment you choose makes a difference. Whether you're pursuing IVF, IUI, egg freezing, or embryo transfer, each path comes with its own set of costs. IVF, for example, involves more advanced lab work and medications than IUI, making it a more involved investment. At CRM, we take the time to walk you through each option so you can choose what’s best for your body, your goals, and your budget.
Your treatment plan may include multiple cycles. Fertility success looks different for everyone. While some patients achieve success after one cycle, others may require multiple attempts to reach their family-building goals. Whether you're undergoing IVF, IUI, or egg freezing, the number of cycles recommended will influence your total fertility treatment cost. At CRM, we’re here to help you plan ahead and make confident decisions every step of the way.
Medications are tailored to you. Fertility medications are a significant part of your overall cost and are prescribed based on how your body responds to treatment. From ovarian stimulation to embryo development, your protocol will be customized for you. Our team will ensure you're informed about what to expect so you can budget accordingly with no surprises.
Use of Donor Eggs, Donor Sperm, or Gestational Carrier: If your journey involves the use of donor eggs, donor sperm, or a gestational carrier, additional costs will apply. These options are often vital for certain fertility or medical situations. Our team at CRM will walk you through these possibilities with clarity, compassion, and respect for your personal path to parenthood.
Advanced services can enhance your success. Services such as preimplantation genetic testing (PGT-A) or long-term embryo storage can increase the likelihood of a healthy pregnancy. While they do involve additional fees, these options may offer greater peace of mind and improved outcomes. We’ll help you determine if they align with your goals and treatment plan.
Insurance coverage varies significantly. Fertility insurance benefits can differ greatly between plans. Some cover a large portion of treatment, while others offer little to no assistance. Our financial team will help you understand what your plan includes and explain every cost involved — from lab services to medications — so you can prepare accordingly.
At CRM, we believe financial clarity is an essential part of compassionate care. Our dedicated Financial Counselors will walk through your personalized treatment plan, review your insurance benefits, and help you explore flexible financing options. We’re here to help you find the most effective, cost-efficient path to parenthood so you can focus on what matters most: building your family. Your fertility journey is unique. Our expertise helps make it manageable.
Fertility Treatment Cost FAQs
Insurance coverage for IVF can vary widely depending on your provider and specific plan. While some policies may cover all or part of the costs, others offer limited or no fertility benefits at all. That’s why it’s important to contact your insurance company directly to confirm what’s included, especially for fertility consultations, diagnostic testing, and treatment services.
At CRM in Orlando, our dedicated Financial Counselors are here to help you navigate your insurance benefits and clearly understand the fertility treatment costs associated with your personalized care plan. We’re committed to transparent pricing and offer flexible payment options, including upfront payment plans, to support you every step of the way.
Florida does not currently mandate health insurance plans to cover elective egg freezing. However, if egg freezing is deemed medically necessary, such as before undergoing chemotherapy or other treatments that may harm fertility, some insurance plans may offer partial or full coverage.
At CRM, our Financial Counselors are here to help you understand your insurance coverage and explore financing options. We're committed to helping you make informed and confident decisions about your care.
To determine whether your insurance plan includes fertility coverage, you can start by reaching out to your HR department or calling the customer service number listed on the back of your insurance card. Inquire specifically about benefits for fertility treatments like IVF, IUI, or egg freezing. Your insurance provider can clarify which services are included, any limitations or exclusions, and what out-of-pocket costs you might expect.
Yes, you can use Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) to pay for many fertility-related expenses. These funds can be used for treatments like IVF, egg retrieval and freezing, ovarian stimulation medications, as well as fertility consultations and diagnostic testing. However, coverage may vary depending on your specific plan. For example, long-term storage of frozen eggs may not be eligible under some FSAs. It’s important to review your plan documents or consult your plan administrator to confirm which fertility expenses are covered.
The cost of an IVF cycle generally includes the following:
Initial consultations and diagnostic testing: Assessing your fertility health and determining the right treatment plan.
Egg retrieval: The procedure to collect eggs for fertilization.
Fertilization: The process of combining eggs and sperm in the lab.
Embryo culture and monitoring: The process of growing embryos in the lab.
Medications for ovarian stimulation are typically not included in the base cost and can add a significant amount to the overall price. Additional services that may impact the final cost include ICSI (intracytoplasmic sperm injection), PGT, embryo freezing or storage, and other specialized services.
Yes, the cost of fertility treatment can increase if donor sperm or eggs are used. The expenses for donor sperm or eggs are typically not included in the base cost of IVF or IUI and can add a significant amount to the overall treatment price. This is due to the cost of sourcing and screening the donor, as well as any additional medical procedures involved in using donor gametes.
At CRM, we provide a range of fertility financing options to help manage the cost of treatments such as IUI, IVF, and more. Once your personalized treatment plan is in place, our team will walk you through all available financial solutions to find the approach that works best for you.
The number of IVF cycles needed can vary greatly from person to person, depending on factors such as age, underlying fertility conditions, and how the body responds to treatment. While some individuals may achieve pregnancy with a single cycle, many require multiple attempts. This can significantly increase overall costs due to repeated procedures, medications, and monitoring. Multicycle programs like BUNDL are designed to help manage these expenses, offering bundled pricing options that make the financial side of treatment more predictable and affordable.
Advanced technologies such as intracytoplasmic sperm injection (ICSI), preimplantation genetic testing (PGT), and assisted hatching can increase the cost of fertility treatment. ICSI is used to inject a single sperm into an egg, often recommended for male infertility. PGT involves screening embryos for genetic disorders before implantation. Assisted hatching helps embryos implant in the uterus. While these technologies can improve success rates, they also add to the overall cost of treatment.
The cost of fertility medications can significantly impact the overall cost of IVF and IUI treatments. Medications stimulate the ovaries to produce multiple eggs, increasing the chances of successful fertilization. Estimating the cost of fertility medications is challenging because every patient's needs are different, and the required dosage can vary.
Explore Costs for IVF, IUI, Egg Freezing, and More
If you have questions about fertility treatment costs, insurance coverage, financing options, or any part of your journey, the team at the Center for Reproductive Medicine is here to help. We proudly serve individuals and families throughout Central Florida, including Orlando, Winter Park, Celebration, Kissimmee, Winter Haven, Lake Nona, and surrounding communities. Our experienced team is committed to offering clear guidance and compassionate support as you take the next steps toward building your family.
