Pricing & Insurance
Transparent fertility pricing. No hidden fees. Period.
We publish every price on this page because we believe the dollar amount is the first part of the conversation, not the last. One fee schedule for everyone, every cycle, every location.
Every service, every price
The full Arbor fee schedule.
We publish every core service with its cost. Where pricing depends on the protocol or shared cycle, we tell you that here and walk through specifics during your consult.
| Service | What's included | Price |
|---|---|---|
 IVF with ICSI Most Popular |
IVF coordination, ultrasound monitoring, retrieval with anesthesia, sperm preparation, ICSI, embryo culture and freezing, virtual follow-up, Needle-Free IVF if you want it, and year-one storage. Transfer not included. | $10,000 |
| 3-Cycle IVF + Embryo Biopsy Package |
Three IVF cycles with ICSI, assisted hatching, PGT-A embryo biopsy, anesthesia, sperm prep, embryo culture, needle-free device, and year-one storage. Genetic testing, transfer, and meds billed separately. Complete within 12 months; non-refundable. | $28,000 |
 IUI & Ovulation Induction |
Sperm preparation, monitoring, ultrasound-guided insemination. OI available standalone. | $800 / OI only $250 |
 Egg Freezing |
Single cycle — or three-cycle bundle ($12,000) with year-one storage included | $5,000 / $12,000 |
 Embryo Creation |
Thaw of your frozen eggs, fertilization, embryo culture, and year-one storage | $7,500 |
 PRP — Uterine |
Platelet-rich plasma protocol with ultrasound-guided uterine delivery | $500 |
 Virtual Fertility Care |
Telehealth-led care — Modern Fertility tier or Fellow tier | $100 |
 Shared Egg Freezing (IVF) |
Cost-sharing program for egg freezing alongside IVF treatment | Contact for pricing |
 IVF with Donor Sperm |
Pre-vetted donor banks, coordinated from selection through transfer | Contact for pricing |
 Reciprocal IVF |
For LGBTQ+ family building — one partner provides eggs, the other carries | Contact for pricing |
 Embryo Transfer |
Endometrial preparation, monitoring, single-embryo transfer | Frozen $3,000 |
 Needle-Free IVF |
Catheter-based ovarian stimulation — a gentler protocol with no daily injections. Included for Arbor patients; outside patients: $200 (includes IVF needle kit & 15-min nurse consult) | Included / $200 outside |
| TEFNA |
Testicular fine-needle aspiration: a thin needle collects small samples directly from the testicle to look for sperm for use with IVF and ICSI. | $3,000 |
 SIS Tubal Patency Testing |
Ultrasound saline tubal patency evaluation — a less invasive alternative to HSG | $250 / Outside monitoring $150 |
| New Patient Consultation |
Your first visit with Dr. Zarek, virtually or in person, plus a follow-up visit to review your lab results. Labs are not included. | Virtual starting at $100 / In person $200 |
| ROOTS Testing |
Pelvic ultrasound and a telehealth follow-up with Dr. Zarek to review your results. Bloodwork and semen analysis are not included. | $100 |
| Semen Analysis |
Count, motility, and morphology, with an at-home collection kit. | $200 |
| Embryo Biopsy |
Embryo biopsy for up to six embryos; about $200 per additional embryo. Genetic testing (PGT-A) is billed separately by Igenomix, our genetic testing partner. | $1,750 |
| INVOcell |
Intravaginal embryo culture, an alternative to lab incubation. We walk through whether it fits your plan at consult. | $5,000 |
Medications are billed separately and vary by protocol. Anesthesia is included with IVF egg retrieval/IVF bundle. If anesthesia is needed for another procedure, additional fees may apply. Self-pay 10% discount on fertility treatment (IUI, IVF, and frozen embryo transfer) for educators, veterans, first responders, and healthcare workers.
Where Arbor lands vs. the rest of the industry
$13,000 instead of $18,000+.
A single IVF cycle in the U.S. typically lands somewhere between $15,000 and $25,000 once monitoring, anesthesia, embryo work, and storage are billed separately. Here's how Arbor's IVF package ($10,000, with year-one storage included) and frozen transfer ($3,000) compare.
| Cost item | Arbor Fertility | National Average |
|---|---|---|
| IVF base + ICSI | Included | $12,000–$15,000 |
| Anesthesia for retrieval | Included | $700–$1,200 |
| Embryo transfer | Separate ($3,000) | $1,500–$3,000 |
| Cycle monitoring | Included | $1,000–$2,500 |
| Year-one frozen storage | Included | $600–$1,000 |
| Total typical out-of-pocket | $13,000* | $18,000+ |
*Arbor total = $10,000 IVF package (year-one embryo storage included) + $3,000 frozen embryo transfer. National averages compiled from published industry data including ASRM, FertilityIQ, and RESOLVE; individual costs vary by clinic and treatment plan. Medications are billed separately at every clinic, including ours.
Insurance & financing
We work with your benefits, not against them.
We're in-network with several Missouri and Illinois plans — and we'll check your benefits for you before treatment begins. Even when we're out-of-network, our published pricing typically beats post-deductible "in-network" billing at competitor clinics.
Carriers we work with regularly include Cigna, Anthem BCBS, UHC Commercial, Aetna, Humana, Ambetter, Oxford, Oscar, and GEHA. Your insurance company has the final say on what's covered, but we'll do the legwork up front so there are no surprises.
Treatment Quotes — After meeting with Dr. Zarek, you'll be scheduled for a financial consultation, where you'll receive your personalized treatment quote.
Pick the path that fits
Three ways to pay for your care.
Whether your treatment is fully self-pay, partly covered, or stretched across a payment plan, there's a path that doesn't put cost between you and your family.
Need help paying for treatment? Explore fertility grants and scholarships you may qualify for.
Pricing questions, answered.
What does the $10,000 IVF with ICSI fee include?
The fee covers IVF coordination, transvaginal ultrasound monitoring, Needle-Free IVF (if you’d like it), anesthesia, egg retrieval, sperm preparation, ICSI fertilization, embryo culture and freezing, a virtual follow-up appointment, and the first year of embryo storage. Embryo transfer (frozen embryo transfer $3,000) and storage after the first year ($600/year) are billed separately. Medications are billed separately because the protocol varies with each patient — we publish typical medication ranges and quote yours specifically during your consult. Our in-house medication program can help lower that cost.
Are there any add-on costs we should plan for?
Outside the package price: the frozen embryo transfer, medications, embryo storage after the first year, genetic testing (PGT-A or PGT-M, if you choose), diagnostic testing and infectious disease screening, and laboratory fees. Each is quoted in writing before treatment begins. We do not bill anesthesia, embryologist time, or monitoring ultrasounds as add-ons — those are part of the published fee. For the add-ons to watch for when comparing clinics, see The Real Cost of “Affordable” IVF.
Do you accept insurance?
We're in-network with Cigna, Oscar, Anthem BCBS, UHC Commercial, Ambetter, Oxford, Aetna, Humana, and GEHA. Even when we're out-of-network, our published price is often lower than the post-deductible billed total at in-network competitors. We'll verify your specific benefits before you commit to anything.
What if I need multiple cycles?
Each subsequent IVF cycle uses the same $10,000 fee — no escalation, no "second cycle premium." If you started with egg freezing and decide to transfer later, the frozen embryo transfer is a separate, lower fee that we quote at consult.
How does shared egg freezing pricing work?
Shared Egg Freezing pairs a patient who wants to freeze eggs for personal use with a recipient family that needs donor eggs. The two parties share the cost of one stimulation cycle, which lowers what each pays. Pricing depends on cycle yield and recipient match — we walk through it in detail during your consult.
Do you offer financing?
Yes — we work with two outside financing partners that offer six, twelve, and twenty-four-month payment plans with a soft credit check. Approved patients can use the plan to cover the full fee or just the gap after insurance. Application happens during your consult and most decisions come back the same day.
Have questions about your specific situation?
Every fertility journey starts with a 30-minute consult — $100 virtual, $200 in person. We'll walk through your history, the path that fits, and exactly what it will cost. No pressure, no upsells.