How Much IVF Costs in Texas? (Guide)

Success After IVF: A Positive Pregnancy Test Amidst High Fertility Costs

IVF medications cost in Texas can vary based on the type of treatment and medications that you’re prescribed. Overall costs can be associated with fees such as the base clinic fee, your medications, anesthesia fees, laboratory fees, optional ICSCI (intracytoplasmic sperm injection), optional assisted hatching, any donor sperm/egg requirements, embryo cryopreservation requirements, and your overall number of IVF cycles needed to achieve a successful pregnancy.

On average, total “all-in” pricing can be anywhere from $18,000 to $42,000, however, these prices may not all be completely out-of-pocket expenses as your insurance may cover some of these costs.

Key Takeaways

The overall cost of IVF treatment in Texas can range from $18,000 to $42,000, depending on factors like medications, clinic fees, anesthesia, lab costs, optional procedures (such as ICSI or assisted hatching), and the number of IVF cycles required for a successful pregnancy. Insurance may cover part of these expenses.
While IVF coverage is not mandated in Texas, some insurers like Aetna, Blue Cross Blue Shield, and United Healthcare offer IVF coverage. Medicare Part B may cover some fertility injectables, such as Gonal-F and Menopur, which are some of the most expensive IVF medications.
A recent legal case in Texas raises questions about the legal status of frozen embryos, with a woman arguing they should be treated as children with constitutional protections rather than property. This case highlights potential shifts in reproductive law and its broader implications on IVF, inheritance, and medical decision-making.

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Texas and In Vitro Fertilization (IVF) Costs

Because each state’s legislature has some bearing on whether certain insurance groups are required to pay for part or all of your in vitro fertilization (IVF) needs. In Texas, recent discussions around reproductive rights have caused some debate with the proper legislature on the coverage. However, as of January 2024, there is no outcome that has changed the estimated coverage requirements for group insurers in the state.

Here is a general breakdown of the types of costs that could be associated with completing your IVF treatment in Texas:

Category	Description	Average Cost	Notes
Base Clinic Fee	General fees for consultation, initial workup, and the IVF procedure (excluding medications).	$6,000 - $15,000	Varies by clinic location, reputation, and services offered.
Medications	Cost of hormones and other medications needed for ovarian stimulation, egg retrieval, and embryo transfer.	$3,000 - $5,000	Costs vary depending on protocols used (e.g., FSH, GnRH antagonists).
Anesthesia Fees	Cost for anesthesia during egg retrieval or embryo transfer.	$500 - $1,500	Typically general anesthesia or conscious sedation.
Laboratory Fees	Fees for sperm and egg preparation, embryo culture, and embryo monitoring.	$1,000 - $3,000	Includes culturing, embryo grading, and monitoring.
Optional ICSI (Intracytoplasmic Sperm Injection)	A procedure where a single sperm is injected directly into an egg, often used in cases of male infertility.	$1,000 - $2,500	Recommended for male factor infertility or low sperm count.
Optional Assisted Hatching	A technique where the outer shell of the embryo is thinned or breached to facilitate implantation.	$300 - $1,000	Often used for older women or those with previous IVF failures.
Donor Sperm	Cost for purchasing donor sperm, including screening and shipping fees.	$400 - $1,000 per vial	Some clinics may charge additional processing fees.
Donor Eggs	Cost for purchasing donor eggs, including screening and compensation for the donor.	$20,000 - $40,000	Cost varies depending on whether the donor is anonymous or known.
Embryo Cryopreservation (Freezing)	Cost to freeze excess embryos for future use.	$500 - $1,500 per cycle	Includes freezing, storage, and annual storage fees.
Embryo Storage Fees	Annual storage fees for cryopreserved embryos.	$500 - $1,000 per year	Costs vary based on storage duration and clinic policies.
Number of IVF Cycles (Success Rate)	Average number of IVF cycles needed to achieve a successful pregnancy.	1-3 cycles (depending on age, health, and other factors)	Success rate varies based on age, embryo quality, and clinic experience.
Total Estimated Cost (per cycle)	The total cost per IVF cycle based on the necessary treatments and procedures.	$12,000 - $50,000+	Total cost can range widely depending on the services required and number of cycles.

Related: Menopur Average Cost (Guide)

Texas IVF Insurance Coverage

According to the Texas Health and Safety Code (Section 1, Chapter 161), it “requires group insurers to offer coverage of IVF. Employers may choose whether or not to include infertility coverage as part of their employee health benefit package.”

In short, this means that in Texas, fertility preservation and infertility or IVF coverage is offered, however, not required by the state for insurers. For more information on Texas, visit Resolve.org.

Medicare Coverage

Medicare Part A plans do not cover infertility injectables (like Menopur or Gonal-F RFF). Which are usually the most expensive injectables for IVF treatment (ranging anywhere from $418 upwards of $2,300 per cycle). Although, Medicare Part B does. For more information on that coverage, please see Medicare Benefits: Chapter 15.

You can check if you have Medicare (Part B) by looking at the lower left corner of your red, white, and blue Medicare card that you were given:

Part A: "Hospital (Part A)" will be printed on the card.
Part B: "Medical (Part B)" will be printed on the card.

If Part B is printed on your Medicare card, you are covered and should read Medicare Benefits: Chapter 15 for more information.

Multiple Insurers and Financing Options in Texas

Texas, unlike other states, still has decent coverage for IVF treatment through major insurers. As of January 2024, the following insurers have IVF coverage:

Aetna: For coverage resources visit this link.
Blue Cross Blue Shield: For coverage resources visit this link.
United Healthcare: For coverage resources visit this link.
Progyny: For information on Progyny, visit this link.

Related: Gonal-F RFF Pen Price (Guide)

Political Debate on IVF in Texas

A Dallas-area woman filed a case arguing that her frozen embryos should be treated as children, rather than property, in her divorce proceedings. The couple had created the embryos through IVF in 2019, and during the divorce, a contract they signed gave the embryos to the husband. After the Dobbs decision overturned Roe v. Wade and triggered Texas's abortion bans, the wife sought a new trial, claiming that the embryos, as fertilized, should be considered unborn children and granted constitutional protections.

However, the Second Court of Appeals in Fort Worth rejected this argument, stating that the Dobbs decision did not address the rights of stored embryos before implantation. The wife then requested the Texas Supreme Court to review the case, but the court declined to do so, effectively upholding the lower court's decision. She may now appeal to the U.S. Supreme Court.

The case raises a critical question about the legal status of embryos. The woman argues that, because the embryos are fertilized, they should be treated as "unborn children" with full constitutional rights, rather than as property to be divided in a divorce. If the court had ruled in her favor, it would have set a precedent for recognizing embryos as persons under the law, potentially affording them the same rights and protections as living children. This could have significant consequences in areas like divorce, inheritance, and medical decision-making.

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Sources

Centers for Medicare & Medicaid Services. Medicare Benefit Policy Manual, Chapter 15: Covered Medical and Other Health Services. https://www.cms.gov/medicare/prevention/prevntiongeninfo/downloads/bp102c15.pdf
RESOLVE: The National Infertility Association. Insurance Coverage by State. https://resolve.org/learn/financial-resources-for-family-building/insurance-coverage/insurance-coverage-by-state/