If you’re struggling to conceive or want to explore fertility treatments, the first step is usually a fertility consultation with a reproductive specialist. But how much does it cost?
The price of a fertility consultation depends on the clinic, whether tests are included, and whether insurance covers any part of it. Let’s break down the average costs, what’s included, and ways to save money on fertility care.
Average Cost of a Fertility Consultation in 2024
Service |
Estimated Cost (Without Insurance) |
Estimated Cost (With Insurance) |
|---|---|---|
Initial Consultation with Fertility Specialist |
$150 – $500 |
$50 – $150 copay |
Follow-Up Appointments |
$100 – $300 |
$20 – $100 |
Basic Fertility Testing (Bloodwork, Ultrasound, Semen Analysis) |
$200 – $1,000 |
$50 – $500 |
Advanced Diagnostic Testing (HSG, AMH, Genetic Testing) |
$500 – $3,000 |
$200 – $1,500 |
🔹 Total Initial Costs (Without Insurance): $500 – $4,000
🔹 Total Initial Costs (With Insurance): $100 – $1,500
Fertility consultations often involve more than just talking to a doctor—they may include blood tests, hormone checks, and ultrasounds, which increase the total cost.
What’s Included in a Fertility Consultation?
A fertility consultation usually involves:
- Medical History Review – Discussing past pregnancies, cycles, and reproductive health.
- Blood Tests for Hormones – Checking levels of FSH, LH, AMH, estrogen, and progesterone.
- Ultrasound of Ovaries & Uterus – Assessing egg supply (antral follicle count) and uterine health.
- Semen Analysis (For Male Partners) – Evaluating sperm count, motility, and morphology.
- Discussion of Fertility Treatment Options – IVF, IUI, medication, or lifestyle changes.
Some clinics bundle these tests into the initial consultation fee, while others charge separately.
Fertility Consultation Costs by State
State |
Average Cost of Initial Consultation |
|---|---|
California |
$250 – $500 |
New York |
$300 – $600 |
Texas |
$150 – $400 |
Florida |
$200 – $500 |
Illinois |
$200 – $450 |
Prices tend to be higher in major metro areas, especially in California and New York.
Does Insurance Cover Fertility Consultations?
Insurance Type |
Coverage for Consultation & Testing |
|---|---|
Employer Health Insurance |
Covers consultation & basic tests (varies by plan) |
Medicaid |
Rarely covers fertility services |
Marketplace/Private Insurance |
May cover consultation but not advanced tests |
States with Fertility Mandates |
Requires coverage for testing & some treatments |
Some states require insurance to cover fertility services, including New York, Massachusetts, Illinois, and Connecticut. If you live in one of these states, your insurance may cover fertility consultations and testing.
Additional Costs After a Fertility Consultation
After your initial visit, your doctor may recommend additional testing or procedures:
Service |
Estimated Cost |
|---|---|
HSG (Hysterosalpingogram – Fallopian Tube X-ray) |
$500 – $1,500 |
Sonohysterogram (Uterine Evaluation) |
$300 – $800 |
Genetic Carrier Screening |
$500 – $3,000 |
Ovarian Reserve Testing (AMH, FSH, Estradiol) |
$200 – $600 |
Semen Analysis (For Male Partner) |
$100 – $300 |
Ways to Save Money on a Fertility Consultation
- Check if insurance covers any part of the consultation – Even if IVF isn’t covered, some tests may be.
- Ask about package pricing – Some clinics offer discounts for bundled tests and consultations.
- Use HSA/FSA funds – Fertility consultations and testing are eligible medical expenses.
- Look into fertility grants – Organizations like Baby Quest Foundation offer grants for fertility treatments.
- Choose a clinic outside major metro areas – Prices tend to be lower in smaller cities.
Is a Fertility Consultation Worth the Cost?
If you’re struggling to conceive or want to explore fertility options, a consultation can help identify potential issues early and guide you toward the best treatment options. While the cost can be high, many clinics offer financing or insurance options to help make it more affordable.
Have you had a fertility consultation? How much did it cost? Share your experience in the comments.
For real-world medical pricing insights, bookmark CostHowMuch.com.
