With over 20 years of experience and more than 4,000 babies born, the Reproductive Science Center of New Jersey (RSCNJ) proudly offers expert, compassionate fertility care at our convenient locations in Eatontown, Lawrenceville, and Toms River.
We know fertility costs can feel overwhelming, but you don’t have to navigate them alone. Our team will help you understand your options, verify insurance benefits, and access flexible financial support — so you can move forward with confidence and clarity.
Our team of experts will guide you in all aspects of fertility care costs, helping you:
Understand costs: Our dedicated financial counselors are here to guide you through the financial side of fertility care with clarity and compassion, providing a detailed breakdown of all expected fees and expenses. We’re committed to affordability and will provide comprehensive support at every step.
Decide on financing options: At RSCNJ, we believe finances should never come in the way of realizing your dreams of parenthood. To help make costs more manageable, we provide several fertility financing solutions, military discounts, and fertility medication discounts for qualified patients. Partnering with BUNDL, PatientFi, Future Family, LendingClub, CapexMD, WINFertility, and ARC, we’re proud to offer a range of options to meet your specific needs.
Whether you’ll be pursuing in vitro fertilization (IVF), egg freezing, egg donation, or other treatments to help build your family, we’ll be by your side every step of the way — offering clear guidance, personalized financial support, and helpful resources to make managing costs as smooth and stress-free as possible.
The costs outlined here apply only to patients who do not have insurance coverage for fertility treatments. The team at RSCNJ will work with you to identify possible coverage and alternative financing options that meet your specific needs.
IVF Costs
If you’re considering in vitro fertilization, with or without preimplantation genetic testing (PGT), it’s essential to have a clear understanding of all the associated costs.
(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, embryo transfer, cryopreservation of embryos, and 1 year of storage)
How much does IVF cost in New Jersey?
IVF costs in New Jersey can vary based on several factors, including the number of cycles needed, whether you choose to include PGT, the type and duration of medications, and any additional procedures or diagnostics involved. On average, IVF without PGT starts at $12,500, while IVF with PGT typically begins at $16,000. These estimates do not include medication costs.
Egg freezing allows you to preserve your fertility and pursue pregnancy later using younger, healthier eggs. The associated costs can vary based on each person’s unique needs and treatment plan.
(Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, cryopreservation of retrieved oocytes, and 90 days of storage; option to add in medications)
How much does egg freezing cost in New Jersey?
On average, the cost of egg freezing in New Jersey usually starts at $7,500. Total costs can vary based on a range of factors, such as the number of cycles needed to meet your fertility goals, any medications prescribed, how long the eggs are stored, and whether you later choose to use them for IVF in order to achieve pregnancy.
One of the most cost-effective fertility treatments, intrauterine insemination (IUI) involves placing sperm directly into the uterus to improve the chances of pregnancy.
Inclusive of ultrasounds, sperm wash, and insemination
How much does IUI cost in New Jersey?
In New Jersey, the cost of IUI typically ranges from $3,500 to $5,000 per cycle, not including medications. Costs can also vary based on the type of fertility medications used, whether donor sperm is used, and the level of monitoring required.
A frozen embryo transfer (FET) is frequently done after completing IVF. During this quick outpatient procedure, frozen embryos are thawed and transferred to the uterus in order to achieve pregnancy.
(Inclusive of ultrasound monitoring, embryo thaw and prep, and embryo transfer)
How much does FET cost in New Jersey?
The cost of a frozen embryo transfer can vary based on the specifics of your treatment plan. Variables like fertility medications, genetic testing, and the use of donor sperm, eggs, or embryos can all add to the overall expense. If more than one transfer is needed to achieve pregnancy, total costs may also increase. In New Jersey, FET procedures typically start around $5,000.
At RSCNJ, we know fertility care is deeply personal — and the financial side can feel just as complex as the medical side. Our experienced financial counselors are here to guide you from your very first consultation through every step of your treatment plan.
In New Jersey, fertility costs can vary significantly depending on your course of treatment, insurance coverage, and more. Some key factors influencing total out-of-pocket expenses include:
Type of treatment: Simpler procedures like IUI are generally more affordable, while advanced options like IVF tend to cost more. Use of donor eggs, sperm, or embryos will also affect pricing, as will pursuing specialized services like genetic testing and cryopreservation. Number of cycles needed: It’s not uncommon for patients to go through multiple cycles of IVF, egg retrieval, or embryo transfer to achieve pregnancy. Since each cycle is billed separately, undergoing more rounds can raise costs significantly.
Fertility medications: Medication protocols will vary from patient to patient. Certain drugs used to stimulate the ovaries, trigger ovulation, or support early pregnancy can add substantially to the total treatment cost.
Donor or gestational carrier involvement: Using donor eggs, sperm, or embryos — or working with a gestational carrier — will add medical, legal, and administrative costs. These services are more complex and are typically priced accordingly.
Laboratory and add-on services: Optional or medically recommended lab procedures — such as genetic testing, hormone testing, or the freezing and storage of eggs, embryos, or sperm — can add to the base cost of treatment.
Insurance coverage and state mandate: New Jersey mandates certain types of fertility coverage, but benefits can vary widely depending on your specific insurance provider and plan. Our team will help you understand what’s covered, what isn’t, and how to plan financially — whether you’re using insurance, paying out of pocket, or a combination of both.
At RSCNJ, we’re committed to providing comprehensive, transparent support for all aspects of your care. No matter what your specific situation, our knowledgeable team will help you make informed decisions that align with both your family-building goals and your budget.
Fertility Treatment Cost FAQs
Insurance coverage for IVF can vary widely depending on your specific insurance provider and plan. Some insurance policies may cover a significant portion — or even all — of the costs associated with IVF, while others may offer limited or no coverage at all. It’s important to carefully review your insurance plan and speak directly with your provider to understand your benefits. If your coverage is provided through your employer, your HR or benefits representative can also be a helpful resource.
New Jersey is one of several states with a fertility coverage mandate in place, requiring large-group health plans to cover treatments including IVF, IUI, PGT, and more when medically necessary. Keep in mind, however, that self-insured employers (often large companies) are exempt, as are those with fewer than 50 employees, and religious organizations. Certain services and procedures may also be exempt. Be sure to read the fine print and get in touch with your provider and HR department for clarification on any questions you may have.
The financial counselors at RSCNJ are here to guide you through your insurance coverage and help you make the most of your benefits. If treatment costs aren't covered, we’ll work with you to explore flexible financing options that fit your budget and needs.
Whether or not egg freezing is covered by insurance will depend on your individual provider and plan. Similar to IVF, some insurance policies offer comprehensive coverage, while others may provide little to no benefits.
Coverage often hinges on the medical reason for freezing. Elective egg freezing — chosen for personal or lifestyle reasons, such as postponing parenthood — is typically not covered. In contrast, egg freezing that is considered medically necessary — for example, preserving fertility before cancer treatment, receiving treatment for an autoimmune disease, or undergoing gender-affirming care — is more likely to be covered by insurance.
To understand your fertility coverage, start by taking a close look at your insurance plan. Since policies can vary widely, it’s important to review your benefits carefully. If anything is unclear, don’t hesitate to reach out to your insurance company — they can explain what’s included and help answer specific questions.
If your insurance comes through your employer, your HR or benefits department should be able to provide additional insight, especially if your company offers fertility-related coverage. At RSCNJ, our team is here to support you every step of the way. We’ll work with you to verify your benefits and help you understand exactly what your plan includes, so you can focus on your path to parenthood.
Yes, in most cases, you can use health savings accounts (HSA) or flexible spending accounts (FSA) to cover a wide range of fertility-related costs. These accounts typically allow you to pay for treatments like IVF, egg freezing, IUI, frozen embryo transfers, and genetic testing (PGT). Eligible expenses often extend to medications, lab work, and diagnostic procedures as well.
However, eligibility can differ depending on the specifics of your plan. Check your HSA or FSA documentation or speak directly with your benefits provider to understand exactly what’s covered. For example, certain expenses like long-term storage of eggs, sperm, or embryos may not be eligible.
The total cost of IVF typically encompasses several stages of the treatment process, including:
Initial consultation and diagnostic testing: These early steps involve comprehensive medical evaluations to better understand your fertility health. From there, a treatment plan will be laid out and tailored to your needs.
Egg retrieval: During this brief outpatient procedure, mature eggs are collected from the ovaries for fertilization, genetic testing, or freezing.
Fertilization: Retrieved eggs will be combined with sperm from a partner or donor in the lab in order to create embryos.
Embryo culture and monitoring: Once fertilized, embryos will be carefully cultured and monitored to ensure healthy development before one or more are selected for transfer to the uterus.
Yes, using donor eggs or donor sperm can increase the overall cost of fertility treatments such as IVF and IUI. Donor eggs and sperm are not typically included in standard treatment packages and are considered an additional expense. This is due to the complexity of the donation process, which involves thorough medical and psychological screening, laboratory testing, legal requirements, and careful coordination between donors and intended parents — all of which contribute to the added cost.
At RSCNJ, we partner with several trusted agencies to offer anonymous fresh egg donation, as well as frozen egg options through leading banks like MyEggBank and Fairfax Egg Bank. Our team is here to guide you through the selection process, answer your questions, and ensure a seamless experience from start to finish.
Whether you’re exploring donor options due to medical reasons, pursuing parenthood as a single parent, or growing your family as an LGBTQ+ individual or couple, the team at RSCNJ is here to walk you through all financial considerations and help you plan with confidence.
While a cycle of IVF usually covers several related procedures, you may be responsible for additional expenses depending on your personalized treatment plan. These can include medications, genetic testing of embryos, anesthesia fees, embryo freezing, long-term embryo storage, and any frozen embryo transfers you may undergo later on.
At RSCNJ, we provide a clear cost breakdown before treatment begins, so you know exactly what to expect. Our financial coordinators will also be available to walk you through your options and help you plan accordingly.
Yes. At RSCNJ, we understand that fertility care can be a significant financial investment. That’s why we offer a variety of financing options and work with trusted third-party partners, including BUNDL, which allows patients to pay one upfront cost to cover multiple IVF cycles.
Whether you’re paying out of pocket or need support covering what insurance doesn’t, our financial coordinators will work with you to find a payment solution that fits your budget.
The cost of an initial fertility evaluation can vary depending on the tests and procedures recommended, but it typically includes consultations, bloodwork, and an ultrasound. Many insurance plans will cover diagnostic testing related to infertility, especially if you’re having trouble conceiving. At RSCNJ, our team will verify your insurance benefits ahead of time so you understand any out-of-pocket costs before your first visit.
Explore Costs for IVF, IUI, Egg Freezing, and More
At the Reproductive Science Center of New Jersey, we’re proud to support hopeful parents from across the Garden State. With convenient locations in Lawrenceville, Eatontown, and Toms River, our experienced team has been helping individuals and couples from all backgrounds grow their families for over two decades. Whether you're exploring IVF, IUI, egg freezing, or another treatment path, we have a deep understanding of the financial complexities involved in fertility care. Reach out today to learn more or schedule your first consultation.
