What is the cost for In Vitro Fertilization (IVF)?
The cost of IVF (in vitro fertilization) in Hawaii varies based on your individual treatment plan and insurance coverage.
For patients with Hawaii-based insurance plans, IVF may be a covered benefit, with co-payment expenses varying between $3,000 to $6,000, depending on your specific insurance plan. Our billing team will verify your fertility insurance benefits and provide a personalized cost estimate before you begin your IVF cycle.
Without insurance, IVF can range from $9,000 to $13,000, plus the cost of medications, which adds an additional $3,000 to $8,000.
Additional fertility services may impact the total cost of IVF treatment. These services can include embryo freezing (cryopreservation), egg freezing, preimplantation genetic testing (PGT), and the use of donor sperm, donor eggs, or a gestational carrier (surrogacy). Each of these options can affect your overall fertility treatment cost.
Because every patient’s fertility journey is unique, a consultation and evaluation are required to provide an accurate and personalized IVF cost estimate. We also partner with fertility financing companies that may help make IVF and other fertility treatments more accessible. To learn more about payment plans and financing options, please visit our Fertility Financing Options page.
Frequently Asked Questions
Does Medicare, Medicaid, or Quest cover any infertility treatment or expenses?
No. While most Hawaii-based insurances will cover IVF and a few will cover other infertility services, Medicare, Medicaid and Quest insurances will not cover any infertility treatment services or treatments.
Do I need a referral to be seen at FIH?
This will depend on your insurance plan. Most plans do not require a referral, but Kaiser, Tricare Prime, and certain HMO plans typically do. Our billing team can help verify this for you at the time of booking your appointment. If a referral is required but not obtained, your visit may not be covered. If you are planning to pay out of pocket, a referral is not needed.
Does insurance cover intrauterine insemination (IUI)?
Some insurance plans offer partial coverage for IUI, while others do not. If covered, you may still be responsible for co-pays, co-insurance, or deductibles. If your plan does not include IUI benefits, our team will provide a clear cost estimate before starting treatment.
Does insurance cover IVF (in vitro fertilization)?
Hawaiʻi has an IVF insurance mandate, which means many local insurance plans provide some level of IVF coverage. However, benefits vary, and specific medical and policy criteria must be met. Our providers and billing team can help you understand your eligibility and coverage.
Are fertility medications covered by insurance?
Coverage for fertility medications varies by plan. Some medications may be partially or fully covered, while others are not. We work with specialty pharmacies and discount programs to help reduce out-of-pocket costs whenever possible.
Does insurance cover intrauterine insemination (IUI)?
Some insurance plans offer partial coverage for IUI, while others do not. If covered, you may still be responsible for co-pays, co-insurance, or deductibles. If your plan does not include IUI benefits, our team will provide a clear cost estimate before starting treatment.
How do I verify my fertility insurance coverage?
Our billing team assists with benefit verification once established with our clinic and will walk you through your plan’s specific coverage levels. Patients can also contact their insurance provider directly to confirm fertility benefits, including coverage for IVF, IUI, medications, and any referral requirements.
How much does IVF cost without insurance?
The cost of IVF varies based on your personalized treatment plan. In general, an IVF cycle without medications may range from $9,000–$13,000. A consultation with one of our providers is the best way to receive an accurate estimate tailored to your needs.
Do you offer cost estimates before treatment?
Yes. After your consultation and treatment plan are finalized, our team will provide a detailed cost estimate so you understand your financial responsibilities before moving forward.
Why am I receiving a bill after paying my co-pay?
Your co-pay is only one part of your financial responsibility. Depending on your insurance plan, you may also have a deductible and/or co-insurance, which are billed after your insurance processes the claim.
Do you offer financing options?
Yes. We partner with several reputable financing companies that specialize in fertility care. You can learn more on our Financial Options page, and our billing team is happy to walk you through available options after your consultation.
Have Questions About IVF Costs? Contact Our Team
Feel free to reach out and we’ll walk you through your options based on your situation.
Established Patients
If you are already a patient of FIH, please use the purple Klara message button in the bottom right corner of your screen or text 808-855-6932 directly for the quickest support.
New Patients
If you are new to our practice, you can use the contact form to request a consultation or ask about treatment options.
