Pacific Fertility Center earns the Fertility Equity Badge. Learn more.
Pacific Fertility Center earns the Fertility Equity Badge. Learn more.
New IVF insurance mandate in California effective July 2025. Get a head start today!
Castle Connolly has recognized our Greater San Francisco fertility specialists as 2025 Top Doctors!
At Pacific Fertility Center (PFC), we’ve been helping families in San Francisco and the Bay Area build their futures since 1999. Our experienced team combines decades of expertise with a commitment to accessible, transparent care. We provide clear guidance on fertility costs, from insurance coverage to flexible payment plans, so you can move forward with confidence. Serving San Francisco, Oakland, San Jose, Berkeley, Palo Alto, and beyond, PFC is proud to support your family-building journey.
Navigating the financial aspects of fertility care can feel stressful, but it's important to remember you're not navigating this alone. At PFC, our experienced Financial Counselors are part of your support team, and we're committed to making sure you feel completely informed and confident about every aspect of your fertility treatment costs.
Every fertility journey is different, and costs can vary based on your recommended treatment, necessary medications, and insurance coverage. Once your personalized treatment plan is in place, your dedicated Financial Counselor will sit down with you for a detailed explanation of both your insurance benefits and the associated fertility costs. We believe in complete transparency because when you understand your options, you can focus on what matters most: building your family.
At PFC, we're dedicated to removing financial stress and empowering you to make confident decisions about your fertility journey. Our Financial Counselors will work closely with you to ensure you're maximizing your insurance benefits and exploring every available payment option.
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.
When considering in vitro fertilization (IVF), knowing what to expect financially is crucial for your treatment planning. PFC 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) Medications are not included.
(Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, conventional insemination, embryo culture, cryopreservation of embryos, and 1 year of storage) Medications are not included.
The cost of IVF in Northern California can vary depending on several factors, including whether you choose to include the medications needed, and any additional services. On average, IVF with PGT starts at $22,000, while IVF without PGT typically starts at $18,000. 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.
For more details on IVF costs and related questions, see our FAQ below ↓
Egg freezing offers individuals the opportunity to preserve their fertility for the future. At PFC, 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) Medications are not included.
The cost of egg freezing in Northern California varies based on your individual treatment plan and whether fertility medications are required. The complete process, including medication when needed, typically ranges between $9,000 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
For more details on egg freezing costs and related questions, see our FAQ below ↓
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)
The cost of IUI in Northern California depends on factors like the medications required, which can cost up to $5,000, depending on individual response. The price of the IUI procedure itself will vary based on specific needs and treatment plans, but it typically costs a minimum of $2,500. IUI is often used as an initial treatment option before more advanced procedures like IVF.
For more details on IUI costs and related questions, see our FAQ below ↓
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.
(Procedure)
The cost of frozen embryo transfer (FET) in Northern California typically falls between $5,000 and $7,000, depending on your personalized treatment plan. This fee includes the thawing and transfer process, while medications and other individualized treatments may incur separate charges.
For more details on FET costs and related questions, see our FAQ below ↓
When it comes to fertility treatment costs, every journey is unique — and that's something we want you to understand from the start. Several key factors will influence your overall investment, and knowing what to expect can help you feel more confident as you plan your path forward.
Use of Donor Eggs, Donor Sperm, or Gestational Carrier: If donor eggs, sperm, or a gestational carrier are required, the cost of these services will add to the overall treatment cost. These options are often necessary in cases of infertility or specific medical conditions.
Insurance coverage varies significantly. Your insurance plan will play a major role in determining your out-of-pocket expenses. Some plans offer generous fertility benefits, while others provide limited or no coverage at all. If you're planning to pay without insurance assistance, it's important to factor in all aspects, from treatment procedures to medications and specialized lab services.
At PFC, we believe you should never be surprised by costs along the way. That's why our dedicated Financial Counselors sit down with every patient to walk through your personalized treatment plan and explore all your options. Whether we're reviewing your insurance benefits, discussing flexible payment plans, or exploring financing solutions, our goal is to make the financial side of your fertility journey as clear and manageable as possible.
Insurance coverage for IVF varies depending on your provider and specific plan. While some plans may cover all or part of the costs, others might offer no fertility benefits at all. It’s important to contact your insurance company directly to understand what is included, especially for fertility consultations and treatments.
At PFC, our dedicated Financial Counselors are here to help you navigate your insurance benefits and clearly understand the costs associated with your personalized treatment plan. We’re committed to transparent pricing and offer flexible payment options, including upfront payment plans, to support you every step of the way.
Starting January 2026, California’s Senate Bill 729 (SB 729) will require most small and large-group insurance plans to cover infertility diagnosis and treatment, including up to three egg retrievals. This marks a significant step forward in expanding access to fertility care.
However, there are some exceptions. If you're on a self-funded insurance plan or pursuing egg freezing for non-medical reasons (often referred to as "elective" egg freezing), coverage may not apply, unless your employer specifically includes it as a benefit.
At PFC, our Financial Counselors are here to help you navigate your insurance benefits and explore alternative financing options, so you can make informed decisions about your care.
To determine whether you have fertility insurance coverage, start by reviewing your health insurance policy or contacting your provider directly. Look for benefits related to fertility treatments such as IVF, IUI, or egg freezing. Your insurance company can clarify which services are covered, any exclusions that may apply, and what your potential out-of-pocket costs might be.
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. Medications are not included.
The cost of an IVF cycle generally includes the following:
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. Medications are not included.
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 PFC, we provide a variety of fertility financing options to help our patients manage the costs of treatments such as IUI, IVF, and more. Once your personalized treatment plan is in place, our Financial Counselors will work with you to explore all available financial solutions.
The number of IVF cycles needed can vary widely from person to person, often depending on factors such as age, underlying fertility challenges, and how the body responds to treatment. While some individuals may achieve success with a single cycle, many require multiple attempts, which can significantly increase overall costs due to repeated procedures, medications, and monitoring. Multicycle programs like BUNDL are designed to help manage these expenses more effectively.
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.
If you have questions about costs, financing, insurance coverage, or any aspect of your fertility journey, we’re here to help. Pacific Fertility Center proudly serves patients throughout Marin County and Northern California, including San Francisco, Oakland, San Jose, Berkeley, Palo Alto, and beyond. Our team is committed to providing clear guidance and compassionate support as you navigate your next steps.
