Fertility Costs
Choosing a Clinic
Fertility Treatments
How Much Does IVF Cost in NC?
A clear breakdown of IVF costs, coverage, and smart ways to plan for treatment with confidence.
Thinking about in vitro fertilization (IVF) can feel exciting and overwhelming all at once—especially when you start crunching the numbers. The good news? You’re not alone, and there are ways to make treatment more affordable. Below you’ll find answers to the most common IVF cost questions families ask, plus practical tips to help you plan, budget, and breathe a little easier.
What Makes Up the Cost of IVF?
A single, medication‑supported IVF cycle in North Carolina usually falls between $15,000 and $25,000 once you add up clinic fees, monitoring appointments, the egg‑retrieval procedure, lab work, embryo transfer, and prescription drugs. Every clinic structures its fees a bit differently, but here’s where most of the money goes:
Expense | What It Covers | Typical Range |
Core clinic package | Consult, ultrasounds, egg retrieval, embryo culture, one transfer | $9,000 – $16,000 |
Fertility medications | Stimulation meds, trigger, progesterone support | $4,000 – $6,000 |
Genetic testing (PGT‑A/PGT‑M) | Embryo biopsy & lab analysis | $2,000 – $6,000 |
Embryo freezing & storage | Cryopreservation plus first‑year storage | $600 – $1,200 up front |
Frozen embryo transfer (FET) | Thawing and transfer of a frozen embryo | $3,500 – $6,500 |
How Do IVF Costs at Fertility Clinics Compare?
Atlantic Reproductive Medicine (Raleigh): IVF package $12,850 – $22,000; meds around $4,000 – $6,000.
State‑wide average (multiple providers): $15,000 – $25,000 for one full cycle.
National average: About $24,000 per fresh cycle when meds and monitoring are included (2025 data).
Insurance Coverage in North Carolina
North Carolina does not have a state mandate requiring insurance companies to cover IVF or other fertility treatments.
However, some plans do help with fertility testing or even treatment—coverage varies by employer and insurer. If you’re hoping to use insurance:
Check your individual policy (look for “infertility diagnosis” and “assisted reproductive technology” benefits).
Talk with HR if you’re on an employer‑sponsored plan—many companies add fertility benefits each year.
Ask about supplemental coverage or clinic discount programs; some practices partner with third‑party vendors to lower costs.
Upcoming IVF Legislation in North Carolina
House Bill 635, passed by the NC House in March 2025, would require many large‑group health plans issued or renewed on/after October 1, 2025 to cover up to three IVF cycles plus fertility‑preservation services. Self‑funded employers and religious organizations may opt out, so always verify the details with your HR team.
IVF Financing & Cost‑Saving Strategies
Achieve IVF Refund Program – Pay a single, all‑inclusive fee that covers up to three IVF cycles—including every fresh and frozen embryo transfer. If no live birth results, you receive 30 %, 50 %, or 80 % of that fee back, sharply limiting your financial risk.
Service‑member & educator discounts – Atlantic automatically lowers IVF pricing for active‑duty military, veterans, police officers, firefighters, paramedics, and K‑12 teachers—an easy first step to trim costs if you serve the community.
Fertility‑specific loans – Lenders like Future Family, LendingClub, and CapExMD specialize in spreading IVF costs over 6‑60 months.
Employer fertility benefits – More NC companies now provide fertility stipends that can shave thousands off drug and cycle costs—be sure to ask HR and your clinic pharmacy coordinator.
Grants & foundations – Cade Foundation, BabyQuest, Pay It Forward NC, and others award $1k – full‑cycle grants several times a year.
HSAs/FSAs & IRS deductions – IVF and related travel are qualified medical expenses; paying with pre‑tax dollars or deducting expenses that exceed 7.5 % of your adjusted gross income can cut your effective out‑of‑pocket cost by roughly a third—talk to your tax advisor for personalized guidance.
Questions to Ask Your IVF Clinic
What exactly is included in the quoted price (labs, anesthesia, embryo freezing, FET)?
Clinic live‑birth rates for your age group and diagnosis?
Eligibility requirements for refund or bundle programs?
Medication savings partnerships your clinic participates in?
After‑hours monitoring or weekend retrieval fees?
Want an even deeper checklist on choosing a fertility clinic? Check out our guide “How to Choose the Best Fertility Clinic for You” for more conversation‑sparking ideas before your consultation.
The Bottom Line with IVF Costs
IVF is a big investment and understanding the costs, exploring your insurance options, and taking advantage of financial programs can make the journey much more manageable. With thoughtful planning and a supportive care team, growing your family in North Carolina is absolutely within reach. Ready to move forward?
Atlantic Reproductive Medicine in Raleigh, NC specializes in personalized, evidence‑based IVF care. Schedule a consultation to discuss your goals, review transparent pricing, and map out the best treatment plan for you.
If you are wanting the best in fertility treatments, Atlantic Fertility in Raleigh, North Carolina is such a clinic. In addition to having some of the country’s most highly-trained female fertility specialists, Dr. Susannah Copland, Dr. Mary Peavey, Dr. Jenna Hynes, and Dr. Hilary Friedlander, Atlantic Fertility has one of the most highly-trained and experienced male fertility experts in the world, Dr. Matt Coward.
Atlantic Fertility provides the latest treatment advancements, technologies, and testing with its state-of-the-art embryology and andrology labs. Atlantic also offers close communication, a fertility psychologist on-site, an in-house donor egg and embryo agency, and much more….all to help us Build Families Together. We would love for you to join us today!
Reach out. Learn more.
A consultation at Atlantic Fertility gives you full-spectrum expertise for both female and male fertility—so you can understand your options and move forward with confidence.
