For more than 38 years, The Reproductive Medicine Group (RMG) has helped hopeful parents navigate the path to parenthood—and we understand that cost can be one of the biggest questions along the way.
With locations in North Tampa, South Tampa, Clearwater, Brandon, and Wesley Chapel, we’re proud to support families throughout Florida. Our experienced team offers transparent pricing and personalized guidance to help you understand your options and better manage the financial aspects of fertility care.
We know that navigating fertility costs can be challenging, so we’ll assist you with every stage of care. We’ll help you:
Confirm and maximize insurance benefits: It’s crucial to verify insurance benefits at the outset of your fertility journey. We’ll help you review the details of your plan and make the most of any benefits that may be available to you.
Understand financing programs: To help our patients better manage the costs involved in fertility treatment, we offer several fertility loan and cash pay discount options, including programs through PatientFi, Bundl Fertility™, Future Family, CapexMd, and Lending Club Patient Solutions.
The total costs of fertility care can vary widely depending on the specifics of your insurance plan, benefits, and coverage, as well as any statewide mandates or cash pay discount programs that may apply. The type and duration of the treatments you pursue, as well as any medications, medical procedures, and testing you may require can also impact costs. We’ll meet with you to discuss all your options before you begin your family-building journey.
Please note that the costs outlined here apply to patients who do not have insurance coverage for fertility treatments. The team at The Reproductive Medicine Group will work closely with you to identify possible coverage and alternative financing options to meet your specific needs.
IVF Costs
Understanding the costs of in vitro fertilization (IVF), whether done with preimplantation genetic testing (PGT) or without, is critical to a seamless experience. We’ll help you navigate these costs with transparency and care, so you feel comfortable with what’s ahead.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, conventional insemination, embryo culture, embryo biopsy, cryopreservation of embryos, and 1 year of storage
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, conventional insemination, embryo culture, embryo transfer, cryopreservation of embryos, and 1 year of storage
How much does IVF cost in Tampa Bay?
IVF costs in Tampa Bay can differ depending on whether you pursue it in tandem with genetic testing, how many cycles you need to achieve your goals, what medications you may take and for how long, and whether you freeze any resulting embryos afterward or transfer to the uterus. In Tampa Bay, IVF with PGT usually ranges from $15,000 to $19,000, on average, while IVF without PGT usually ranges from $13,500 to $17,000 on average.
Allowing women to store their eggs for future use in family building, egg freezing is a versatile fertility preservation option. This can be ideal for people who want to give themselves the option to have children later in life while using younger eggs, or for people who are pursuing medical procedures such as chemotherapy, which can damage the eggs in the ovaries.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, cryopreservation of retrieved oocytes, and 1 year of storage; option to add in medications
How much does egg freezing cost in Tampa Bay?
Egg freezing in Tampa Bay will depend on how long you keep them in storage, any medications or procedures you undergo, and other individual treatment needs. In Tampa Bay, the average cost of egg freezing typically falls between $9,000 and $13,000.
Intrauterine insemination (IUI), in which sperm is placed directly into the uterus to increase the chances of achieving pregnancy, can be an ideal option for hopeful parents dealing with infertility.
Inclusive of ultrasounds, sperm wash, and insemination
How much does IUI cost in Tampa Bay?
IUI is typically a more cost-efficient option than other fertility treatments. In Tampa Bay, intrauterine insemination usually ranges from $2,000 to $5,000, on average. Costs will vary depending on whether you use donor sperm, take medications, or need any other procedures or tests.
A frozen embryo transfer (FET) involves thawing and transferring frozen embryos into the uterus in order to achieve pregnancy. We’ll help you navigate these costs and create a plan tailored to your goals and budget.
Inclusive of ultrasound monitoring, embryo thaw and prep, and embryo transfer
How much does FET cost in Tampa Bay?
In Tampa Bay, FET usually starts around $5,000 and can be as high as $7,000. This does not include medications, IVF cycles, embryo storage, preimplantation genetic testing, and other specifics of care. The team at RMG will help you work through all the costs of care.
Because various factors can affect the cost of fertility treatment, it’s important to have a solid understanding of every aspect of care. RMG will help you work through these factors and ensure you’re clear and comfortable at every step of the process. Some key variables impacting total fertility costs include:
Type of treatment: The specific fertility treatment you undergo — whether it’s IVF, IUI, egg or embryo freezing, or FET — can significantly affect total costs. Simpler treatments like IUI are generally less costly than more advanced procedures like IVF.
Number of cycles completed: Many patients undergo multiple cycles of IVF or egg freezing before achieving a successful outcome. Since each round involves separate fees, costs can add up quickly.
Fertility medications: Depending on your specific goals and needs, you may be prescribed certain medications to stimulate egg production, prepare your uterus for embryo transfer, or trigger ovulation. The type, dosage, and duration of these medications can all impact final cost.
Use of donor eggs, donor sperm, or gestational carrier: Making use of donor eggs or donor sperm, or working with a gestational carrier to help grow your family can add significantly to the total cost of fertility treatments.
Lab services and add-ons: Advanced laboratory services — such as genetic testing, egg or embryo freezing and storage, semen analysis, and more — can increase overall treatment costs.
Insurance coverage vs. out-of-pocket status: Out-of-pocket costs can range widely based on the specifics of your insurance plan, coverage, and benefits. Some policies may cover a broad range of fertility services and treatments, while others may offer very limited benefits or none at all. If you’ll be paying out of pocket, every aspect of care will need to be planned and accounted for.
Self-Pay Discount on Egg Freezing & Embryo Creation Cycles
The Reproductive Medicine Group is proud to support our community heroes and those navigating life’s toughest challenges. We now offer a permanent 15% self-pay discount on select fertility preservation services — including egg freezing and embryo creation — for Teachers, Active Military & Veterans, Healthcare Workers, First Responders, and Cancer Patients.
Fertility Treatment Cost FAQs
Insurance coverage for IVF in Tampa Bay can vary significantly depending on your specific insurance provider, plan, and benefits. Some insurance policies cover a substantial portion — or even the entirety — of IVF treatment, while others may offer limited coverage or none at all. Your provider and, if you receive coverage through work, your HR department, can help confirm the specifics.
At RMG, our dedicated financial coordination team will be on hand to assist you in verifying your insurance benefits and will help you navigate all fertility financing options, helping to make treatment more manageable and affordable.
Egg freezing coverage will vary by provider and plan. As with IVF, some plans may offer extensive coverage and benefits, while others may offer none. If you do have coverage, it may vary depending on whether you’re pursuing elective egg freezing, in which women choose to freeze their eggs in order to delay family building and provide themselves with options in the future, or medically necessary egg freezing, which may done to preserve fertility when facing treatments or conditions that threaten future fertility, such as gender-affirming care, cancer, and certain autoimmune disorders.
To find out if you have fertility coverage through insurance, start by reviewing your plan documents and contacting your insurance provider for any details. If you receive insurance through your employer, the HR department should also be able to explain what is and isn’t covered. At RMG, we’ll help you review your policy and clarify any questions you may have so you can be sure to get the most out of your benefits.
Yes, you can usually use a health savings account (HSA) or flexible spending account (FSA) to cover the costs of fertility treatments, as these are considered eligible medical expenses. Treatments such as IVF, IUI, FET, genetic testing, and certain medications and procedures are typically eligible.
However, coverage rules can vary, so it’s important to confirm all details with your HSA or FSA provider. For example, long-term storage of eggs, embryos, or sperm is often not included.
The cost of IVF usually includes the following key steps:
Initial consultations and testing: These early appointments and diagnostic tests are done to evaluate fertility health and guide your treatment plan.
Egg retrieval: During retrieval, eggs are collected from the ovaries for future fertilization, testing, or freezing.
Fertilization: Retrieved eggs are then combined with sperm in a laboratory setting with the goal of creating embryos.
Embryo development and monitoring: If fertilization is successful, embryos will be closely monitored for development before being transferred to the uterus or frozen for future use.
Yes, the cost of fertility treatment can increase when using donor eggs or donor sperm, as these are complex processes — often including extensive donor screening, medical procedures for egg or sperm collection, comprehensive legal agreements, and coordination with donor agencies. These steps can significantly impact the overall cost of treatment.
At RMG, we’re proud to partner with MyEggBank North America to match qualified egg donors with intended parents who do not have their own viable eggs, and partner only with the most reputable egg banks. We also have a very robust donor egg program. For any of our patients seeking a sperm donor, we require them to use sperm banks that are registered with the FDA and meet all FDA-required risk factor screening.
Yes, RMG offers several financing options to help our patients better manage the costs of fertility care. If your insurance does not include fertility benefits or your benefits are limited, we can help you identify the right fertility loan program to assist in financing both fertility testing and treatments.
Partnering with several programs, including PatientFi, Bundl Fertility™, Future Family, CapexMd, and Lending Club Patient Solutions, we can help you navigate available options and choose the one that makes sense for your specific needs.
Medications, such as those used to stimulate the ovaries for egg production, are typically not included in the base cost of fertility treatments such as IUI or IVF. Instead, medications are usually billed separately, and costs can vary greatly depending on your treatment plan.
In most cases, preimplantation genetic testing — whether done for aneuploidy (PGT-A), monogenic gene defects (PGT-M), or structural rearrangements (PGT-SR) — will end up costing extra. Prices will vary depending on the specifics of your insurance plan and fertility benefits, how many conditions you’re testing for, and how many embryos you test.
At The Reproductive Medicine Group, freezing and storage for embryos and eggs is included for the first year. Sperm freezing and storage is not included in base pricing. After the first year, storage fees are billed annually. Total costs depend on several factors, such as how much you are storing, and your insurance coverage and benefits.
Explore Costs for IVF, IUI, Egg Freezing, and More
At The Reproductive Medicine Group, we’re proud to serve individuals and families throughout Tampa Bay, with locations in North Tampa, South Tampa, Clearwater, Brandon, and Wesley Chapel. Our compassionate and experienced team has helped thousands of patients on their path to parenthood, with personalized, compassionate fertility care. If you’re ready to learn more about the cost of IVF, IUI, egg freezing, or other treatments, our team is here to help. Get in touch today with any questions you may have, or schedule a consultation. We’ll discuss the various options at your disposal and work with you closely to manage the costs of care.
