Understanding Fertility Treatment Costs: What You’re Really Paying For (And How to Plan Smarter)
TL;DR:
- Fertility treatment costs vary wildly — and it’s rarely “just one round.”
- Many patients underestimate total costs because clinics only advertise base cycle fees.
- True cost includes: medications, consultations, tests, add-ons, and potential multiple rounds.
- MyFertility’s Clinic Matcher and Cost Per Baby metric help you plan realistically — and avoid financial burnout.
🎯 Why IVF Pricing is So Confusing (On Purpose)
Let’s say you’re told IVF is £4,500 per cycle. Feels manageable, right?
But that doesn’t include:
- 💊 Medication: £1,000–£3,000+
- 🔬 Add-ons like ICSI, PGT-A, time-lapse: £500–£3,000
- 🧊 Embryo freezing & storage: £500–£1,000+
- 🔁 Follow-up transfers, second/third rounds: often necessary
💡 Patients in the UK often spend £12,000–£15,000+ per baby — far beyond what they initially expected.
In one MyFertility survey, over 60% of users said they underestimated their total spend by at least £5,000.
🧠 What Are You Actually Paying For?
Here’s a breakdown of common IVF expenses — and what’s typically NOT included in the base cycle fee:
Treatment Element | Typical Cost Range | Often Included in ‘Base Fee’? |
---|---|---|
Initial consultation | £150–£250 | ❌ |
Hormone medication | £1,000–£3,000 | ❌ |
Egg collection + IVF | £3,000–£5,500 | ✅ |
ICSI (if needed) | £800–£1,500 | ❌ |
PGT-A testing | £2,000–£3,000 | ❌ |
Embryo freezing | £400–£1,000 | ❌ |
Annual storage fee | £200–£400/year | ❌ |
Frozen embryo transfer | £1,200–£2,000 | ❌ |
Monitoring scans | £200–£500+ | ❌ |
This means your “£4,500 IVF cycle” might become £10,000+ by the time you're done — even if it works the first time.
💬 What No One Tells You About “Affordable” IVF
Cheaper isn’t always better. A clinic might offer low base prices but:
- Push unproven add-ons
- Have lower success rates (so you need more rounds)
- Charge separately for essentials like scans or freezing
The real question isn’t “What’s the price per cycle?” — it’s:
“What’s the total cost to take home a baby?”
That’s why we built the Cost Per Baby metric. Because it combines:
- Treatment costs
- Success rates
- Add-on usage
- Number of rounds most patients actually need
🧭 How to Plan Financially (Without Losing Your Mind)
✅ Step 1: Look Beyond the Brochure
Ask for:
- A full itemised price list
- Expected costs per round with medication
- Typical number of rounds for someone like you
✅ Step 2: Use Tools Like Clinic Matcher
Compare clinics by:
- Verified Live Birth Rate per cycle
- Cost Per Baby
- Real patient experiences and pricing
✅ Step 3: Speak With a Financially-Literate Fertility Expert
Book a call with someone who can help you:
- Build a realistic budget
- Understand your treatment options
- Explore funding, loans or NHS access (if eligible)
💡 Final Thought: IVF Isn’t Just Medical — It’s Financial
Fertility treatment is one of the biggest investments you’ll ever make — emotionally, physically, and financially.
That’s why you deserve:
- Honest breakdowns
- Real cost expectations
- Guidance that puts your future (not just your wallet) first
At MyFertility, we don’t just help you find a clinic. We help you find your best path forward — financially, emotionally, and medically.