IVF Cost

Explore transparent IVF pricing, flexible plans, and multi-cycle savings at California IVF Fertility Center.

IVF Cost

Explore transparent IVF pricing, flexible plans, and multi-cycle savings at California IVF Fertility Center.

Affordable fertility care for Sacramento and Bay Area patients.

The cost of fertility services has been increasing in recent years. Many clinics are being acquired by corporations aiming to maximize revenue. California IVF is a private practice that strives to keep treatments affordable and enhance access to care.

We have contracts with most insurance providers. Patients often have coverage for their initial consultation and diagnostic testing, and some patients have coverage for more advanced treatments such as IVF.

Insurance and Fertility Services

Affordable options and transparent pricing.

At California IVF Fertility Center, our insurance specialists will help you understand your coverage and make the most of your benefits.

Even if your plan doesn’t include infertility treatment, we can help reduce consultation and testing costs and offer competitive self-pay pricing.

Standard Fertility Evaluation

Our standard evaluation package is ideal for patients without insurance coverage and includes:

This bundled package is more affordable than hospital or lab rates and helps you take the first step toward diagnosis and treatment.

If needed, we can also provide lab slips for testing through your own doctor.

IVF and FET Costs

For patients without fertility coverage—or those with high co-pays—we offer discounted IVF and Frozen Embryo Transfer (FET) packages that include nearly everything needed for a complete treatment cycle:

Our packages cover:

Ovarian stimulation
Office visits and ultrasound monitoring
Egg retrieval and anesthesia services
Embryology and ICSI (if needed)
Extended/blastocyst culture and assisted hatching
Embryo freezing and one year of storage

Multi-cycle cost savings of $5,000 – $20,000 compared to other centers!

Compared to other clinics, our inclusive packages eliminate surprise fees and make it easier to plan financially for your family-building journey.

Affordable IVF Advantage

Many clinics charge extra for essential services such as anesthesia, extended embryo culture, or cryopreservation.

At California IVF, these are already included in our pricing, giving you transparent costs, predictable budgeting, and greater peace of mind.

Checking Your Insurance Coverage

Before your consultation, you may want to confirm your benefits directly with your insurance provider. Here are a few helpful questions to ask:

Questions for Your Insurance Provider

Do I have coverage for an infertility consultation?
Are diagnostic tests covered?
Do I need a referral?
Is California IVF in-network?
Do my benefits extend to out-of-network providers?
Which treatments and medications are covered?
What are my co-pays and out-of-pocket maximums?

Similar cost

Service

Description

Our Cost

Potential Savings

IVF and FET Cycle

Egg retrieval cycle and one FET cycle

$18,000

$3,000 - $4,000

2 Cycle Plan

Multi-cycle plan with 2 egg retrievals and one FET

$25,000

$7,000 - $13,000

High AMH Plan

Multi-cycle plan with 1 egg retrieval cycle and 3 FET cycles

$25,000

$5,000 - $6,000

3 Cycle Plan

Multi-cycle plan with 3 egg retrievals and one FET

$29,000

$15,000 - $20,000

Subsequent Cycle Plan

Additional IVF cycle without FET

$9,500

$3,700 - $4,700

FET Cycle

Frozen embryo transfer cycle

$5,000

Similar cost

The 2 Cycle Plan and High AMH Plan are interchangeable after the first egg retrieval cycle. This allows patients to adjust their treatment plan based on the outcome of the first cycle and their individual needs.

Affordable IVF

At California IVF Fertility Center, we make IVF more accessible through discounted multi-cycle plans that allow for multiple egg collections before embryo transfer.

This approach balances affordability with higher success rates by increasing the number of embryos available for transfer — giving you more opportunities to achieve pregnancy without unnecessary financial stress.

Single Cycle Package

$18,000

Regional Average: $24,500

Ideal for patients starting their IVF journey and wanting a complete first attempt. This plan includes one egg retrieval, one frozen embryo transfer, and embryo storage, giving patients a full treatment cycle with everything needed to try for pregnancy.

1 Egg Retrieval Cycle
1 Frozen Embryo Transfer (FET) Cycle
Monitoring Services
Anesthesia Services
Embryology Services
Embryo Storage for First Year

2 Cycle / High AMH

$25,000

Regional Average: $32,000

Designed for patients with a strong ovarian reserve or those who want the added security of banking more embryos. Depending on individual goals, this plan may involve one retrieval with multiple frozen embryo transfers or two retrievals to build a larger embryo pool.

1 Egg Retrieval Cycle
Option to Choose: • 2nd Egg Retrieval + 1 FET Cycle • 3 FET Cycles
Monitoring Services
Anesthesia Services
Embryology Services
Embryo Storage for First Year

3 Cycle Plan

$29,000

Regional Average: $60,000

Tailored for patients with lower ovarian reserve or those who want to maximize their chances by completing multiple retrievals. This plan provides three retrievals plus a transfer, helping build a larger pool of embryos while keeping costs predictable.

3 Egg Retrieval Cycles
1 Frozen Embryo Transfer (FET) cycle
Monitoring Services
Anesthesia Services
Embryology Services
Embryo Storage for First Year

Medication costs vary by patient and are not included in the pricing above

*All information presented here is meant for informational purposes. Pricing and packages are subject to change without update to this page.
California IVF provides this information only as an estimate.
National averages are based on the most current pricing and cost savings data.

Insurance Coverage

We accept most major insurance plans and work directly with your provider to maximize your benefits. Our insurance specialists can help you understand your benefits.

Military & Veteran Discounts

California IVF Fertility Center proudly supports military families and veterans. We work with Tricare to help active-duty members, retirees, and dependents maximize their coverage, and provide exclusive military discounts. As a contracted provider with the Veterans Affairs (VA), we can also assist eligible veterans with coverage for IVF.

Flexible Financing Options

IVF shouldn’t have to wait. We work with specialized fertility lenders so you can start your journey now and pay over time.

Starting as low as

$250.00

Per Month

$250/month is an estimated example only. Monthly payments will vary based on loan amount, interest rate, creditworthiness, and repayment term. Not all applicants will qualify. Contact us to learn which financing options may be right for you.

Understanding IVF Costs

IVF is a complex process that requires highly skilled staff, advanced technology, and strict laboratory standards to ensure safety and success.

Rising equipment and supply costs contribute to higher treatment expenses, but at California IVF, we are committed to keeping fertility care affordable, transparent, and ethical.

We focus on:

Have questions about your IVF costs or options? Contact us — our team is happy to explain every detail of your treatment plan.

Financial Considerations for Fertility Treatments

Fertility treatment is a significant investment, and understanding your financial options can help reduce stress. Our team provides clear estimates, package pricing, and financing guidance so you know what to expect before starting care.

Cost Estimates and Packages

Before starting treatment, our physicians will review your medical history, recommend a plan, and provide a clear cost estimate for your next steps.

For patients without coverage, we offer global-fee testing packages that include:

These fixed-cost options make it easier to budget for the initial fertility evaluation.

Tip: You can find more information about testing and insurance coverage on our Insurance and Fertility Services section.

Financing Options

We partner with reputable medical financing organizations to make treatment more affordable.

Applications are quick and secure—most patients receive a response within 24 hours.

Current partner:

Our team can also connect you with medication discount programs and help you compare different financing choices so you can find the plan that best fits your situation.

Comparing Fertility Clinic Prices

When evaluating costs across clinics, it’s important to compare what’s actually included in each estimate.

Ask questions like:

At California IVF, our package pricing includes all required services for a complete treatment cycle—no hidden fees and no surprises.

We take pride in offering transparent estimates, compassionate support, and exceptional clinical results.

Next Step: Discuss Your Options

Ready to understand your costs and create a plan that fits your budget? Schedule a consultation with our team to review your insurance coverage, receive a personalized cost estimate, and explore financing or multi-cycle savings options. Our financial counselors and fertility specialists will guide you every step of the way to make your treatment journey as smooth, transparent, and stress-free as possible.

Why Choose California IVF?

High Success Rates

Over 75% clinical pregnancy rate in patients under 40 using a single embryo that passed genetic testing.

Comprehensive Fertility Care

From initial testing and surgery to IVF, ICSI, PGT genetic screening, and donor egg/sperm programs, all under one roof.

Cost-Effective Multi-Cycle Packages

Specially designed packages that save you money per cycle while providing flexibility and ongoing support throughout your journey.

Scientific Expertise & Compassionate Care

Board-certified reproductive endocrinologists, supported by experienced nurse practitioners and embryologists, provide care in a welcoming environment.

Support You Can Trust

Our clinic is a close-knit team of dedicated professionals, creating a warm and supportive environment for every patient. We value open communication and are here to guide you through every step of your journey. While we know not every path leads to pregnancy, our team is committed to making your experience as positive and caring as possible, supporting you every step of the way.

Ernest Zeringue MD

Medical Director

Gary Gross

Linda Zeringue

FNP-BC

Ashley Cook

FNP-C

Lindsey DeBruler

DNP | FNP-BC

We are proud to announce our selection in the top 50 clinics selected by Newsweek for inclusion in the list of America’s Best Fertility Clinics. Modern medicine is what makes us great, but our staff is what really set us apart. We are currently ranked 36th in the nation!

What Our Happy Parents Say

⭐⭐⭐⭐⭐

Couldn’t be more thankful for Cal IVF & Dr. Zeringue! The staff & nurses were really amazing & were always there to reassure me whenever I needed it. Got pregnant in our first IVF cycle! Will forever be so grateful for this team 🤍

Katie M.

⭐⭐⭐⭐⭐

We had an overall great experience with this clinic. Dr. Zeringue and his team were very professional and helpful. We had a very successful outcome.

Dana L.

⭐⭐⭐⭐⭐

Absolutely incredible staff, the kindness and thoughtfulness of each and every individual person was so sincere. After trying for years, two miscarriages and one ectopic pregnancy, my dreams of having a child was gone. Dr. Zeringue is the best Doctor for the job. My first time doing IVF and I am pregnant. It's all thanks to the wonderful team at California IVF. The entire process was smooth and stress-free. I 100% recommend Dr. Zeringue and his team for your IVF experience.

Rosina S.

⭐⭐⭐⭐⭐

They help make dreams come true.. Thank you ALL!!

Denea S.

⭐⭐⭐⭐⭐

I absolutely love the staff at California IVF!!! Over 3 years ago we started facing our battle with fertility and received help from California IVF. Dr. Z and his staff were so supportive and helpful. Our first transfer was not successful,but we tried again and we had our daughter. Now 3 years later we are back at it again with our 2 remaining embryos. The staff remembered us right away and have been most helpful is starting up this process again.

Krisha P.

⭐⭐⭐⭐⭐

Had the best experience with dr. Zeringue and his staff. After a year of trying other options with other clinics, We were successful on our first ivf cycle here at California IVF, and couldn’t be happier we are now expecting twins.

Albert A.

Questions You Might Have

Does insurance cover IVF treatment?

Coverage varies by plan. Many patients have benefits for consultations and diagnostic testing, but not always for IVF itself. Our insurance specialists can help you review your policy and understand what’s included before you begin treatment.

What is included in your IVF packages?

Our all-inclusive IVF packages cover nearly everything needed for a complete cycle — ovarian stimulation, monitoring, egg retrieval, anesthesia, embryology, ICSI (if needed), embryo freezing, and the first year of storage.

This eliminates hidden fees and makes budgeting simple.

How do your multi-cycle IVF plans work?

We offer discounted multi-cycle plans that allow multiple egg collections before embryo transfer.

This approach increases the number of embryos available and improves success rates — all while reducing the overall cost per cycle.

What are the main factors that affect IVF cost?

Costs depend on the type of treatment, medications, and whether you need additional procedures such as genetic testing or donor services.

Our team will provide a personalized cost estimate during your consultation so you know exactly what to expect.

Do you offer financing options for IVF?

Yes. We partner with trusted medical financing providers like Lending Club to offer flexible monthly payment plans.

We can also guide you toward medication discount programs and other financial resources to make treatment more affordable.

How is California IVF different from other clinics when it comes to cost?

Unlike some clinics that advertise low starting prices but add extra fees later, we provide transparent, all-inclusive pricing.

Our packages include essential services that other centers often charge separately for, giving you better value and clearer expectations.

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