The numbers, on the page.
Self-pay rack rates for the work we do, broken out into the line items that real bills are made of. Most of our patients pay through insurance — Rhode Island has a state IVF mandate — but every patient gets a written, itemized estimate before any treatment begins.
Getting started
The first conversation is on us. The diagnostic workup is the first thing that hits a bill, and is usually covered by insurance.
| Item | Self-pay |
|---|---|
| New patient consultation | $0 |
| Diagnostic workup, fully bundled | $1,200 – $1,900 |
| Semen analysis (a la carte) | $225 |
| Saline sonogram (a la carte) | $650 |
IVF
The IVF base cycle covers monitoring, retrieval, and a single fresh transfer. Medications, ICSI, genetic testing, and embryo storage are line-itemed below.
| Item | Self-pay |
|---|---|
| IVF cycle, base | $14,500 |
| IVF medications | $4,500 – $6,500 |
| Anesthesia for retrieval | $850 |
| Frozen embryo transfer (FET) | $5,200 |
| Mock transfer / ERA | $1,500 |
Egg freezing
| Item | Self-pay |
|---|---|
| Egg freezing cycle | $8,900 |
| Egg freezing medications | $3,500 – $5,500 |
| Annual cryostorage (eggs) | $650 / year |
IUI
| Item | Self-pay |
|---|---|
| IUI cycle, medicated (oral) | $1,950 |
| IUI cycle, medicated (injectable) | $3,400 |
| IUI cycle, natural | $1,250 |
| Donor sperm preparation | $450 |
Donor & third-party
Third-party reproduction has more moving parts than any other path — agencies, attorneys, donor compensation. We coordinate them but each is billed separately. The figures below are what a typical patient at BFC has historically paid all-in.
| Item | Self-pay |
|---|---|
| Donor egg, fresh cycle (all-in) | $38,000 – $52,000 |
| Donor egg, frozen batch (6–8 eggs) | $16,500 – $21,000 |
| Donor sperm | $995 – $1,800 / vial |
| Embryo donation | $5,500 |
| Gestational carrier (agency + match, all-in) | $110,000 – $200,000 |
Add-ons (what isn't in the base IVF cycle)
These are the items most clinics quietly omit from a headline IVF price. We break them out so the written estimate matches the final bill.
| Item | Self-pay |
|---|---|
| ICSI (intracytoplasmic sperm injection) | $2,000 |
| Assisted hatching | $650 |
| Embryo cryopreservation | $1,400 |
| Annual cryostorage (embryos) | $650 / year |
| PGT-A (biopsy) | $1,800 |
| PGT-A (lab fee) | $400 / embryo |
| PGT-M (single-gene) | $8,500 – $11,000 |
| Mandatory genetic counseling for PGT-M | $650 |
Most BFC patients pay through coverage.
Rhode Island is one of roughly a dozen US states with a true IVF mandate, which means most fully-insured employer plans in the state include some level of IVF coverage. Self-insured (ERISA) plans — about two-thirds of US employers — are not bound by the state mandate, so coverage varies widely by employer.
We are in-network with the largest commercial plans in Rhode Island and Massachusetts and run a full benefits check before your first appointment.
See in-network plans and payment optionsEmployer benefit programs
Progyny
Smart Cycle unitsWe are in-network with Progyny. Smart Cycle units convert into care depending on the path: an IVF-with-freeze-all is roughly 0.75 of a unit, an egg freeze is 0.5. Our coordinator handles the unit math with you before you start.
Carrot Fertility
Lifetime $ reimbursementCarrot benefits run on a lifetime dollar reimbursement model set by your employer. We submit claims on your behalf so your reimbursement is automatic; you owe only what your benefit doesn't cover.
Maven Clinic
Reimbursement + wraparoundWe coordinate with Maven for clinical care and reimbursement. Maven's wraparound (mental health, lactation, return-to-work) continues alongside our care.
Practical answers, plainly given.
Rhode Island is a mandate state, which means most fully-insured employer plans here include some IVF coverage. Self-insured (ERISA) plans — about two-thirds of US employers — are not bound by the state mandate and vary widely. We run a benefits check before your first appointment so you know exactly what your plan covers.
No surprises, by policy and by law.
Tell us what plan you have and what treatment you are considering. We will come back with a full benefits review and a good-faith estimate of out-of-pocket cost.