Fees & Financing
Transparent cost structure to help you plan your fertility journey
IVF Cost Breakdown
The following are estimated cost ranges. Actual costs vary by individual treatment plan. Confirm exact pricing at your first consultation.
| Cost Item | Estimated Cost (USD) |
|---|---|
| Monitoring (ultrasounds + blood tests) | $1,500 – $3,000 |
| Egg retrieval + anesthesia | $2,000 – $4,000 |
| Embryology lab fees (fertilization, culture, freezing) | $3,000 – $5,000 |
| Embryo transfer | $1,500 – $2,500 |
| Fertility medications (stimulation) | $4,000 – $7,000 |
| PGT genetic testing (optional) | $2,000 – $5,000 |
| ICSI (if indicated) | $1,000 – $2,500 |
Financing Partners
HRC partners with multiple healthcare financing companies to offer flexible payment plans, so you can focus on treatment rather than upfront costs.
Prosper Healthcare Lending
Up to $100,000 financing
- 0% promotional interest rates (limited time)
- Fast online application, 24-72 hour approval
- One of the largest medical lending companies in the US
CapexMD
Fertility-specific loans
- Designed specifically for IVF, egg freezing, and other fertility treatments
- Multiple repayment term options
- Soft credit check pre-qualification (no score impact)
ARC Fertility
Multi-cycle package financing
- Can be paired with multi-cycle IVF packages
- Refund program packages can be financed
- HRC coordinators help match you to the best plan
🌏 International Patient Total Cost Estimate
The following estimates cover the full cost of a US IVF trip (Own Egg Package) for an international patient, including medical, accommodation, and travel. Actual costs vary by individual.
| Cost Item | Estimated Cost (USD) |
|---|---|
| IVF Own Egg Package (retrieval, lab, transfer) | $34,000 |
| Fertility medications (stimulation) | $4,000 – $7,000 |
| PGT genetic testing (optional) | $2,000 – $5,000 |
| Round-trip flights (Taiwan/HK to LA, 2 people) | $1,500 – $4,000 |
| Accommodation (12–15 days, serviced apartment) | $2,000 – $4,500 |
| Local transportation (Uber/car rental) | $500 – $1,000 |
| Management services fee (optional, incl. planning) | $16,800 |
| Self-pay total (excl. mgmt fee & PGT) | $42,000 – $50,500 |
| Self-pay total (incl. mgmt fee, excl. PGT) | $58,800 – $67,300 |
* These are estimates, not formal quotes. Actual medical costs will be provided by your HRC coordinator after your initial consultation. Management services fee is optional.
Insurance Guidance
About 19 US states mandate insurance coverage for infertility treatment, but specific benefits vary widely by plan.
- Before your visit, confirm your "infertility benefits" with your insurer
- Check whether HRC is an "in-network" provider under your plan
- Some plans cover diagnostic testing but not IVF treatment
- HRC staff can help you understand your benefits and file claims
International Patient Payment
International patients typically pay out-of-pocket. HRC coordinators can prepare a comprehensive cost estimate report.
We accept international wire transfer, major credit cards (Visa/Mastercard/Amex), and US bank checks. A cost estimate letter can be provided after your initial consultation to assist with employer or insurance reimbursement claims.
- •International wire transfer
- •Visa / Mastercard / American Express
- •US bank check / money order
- •Cost estimate letter (available in English and Chinese)
Frequently Asked Questions
What does the IVF cost include? Are medications billed separately?
IVF costs are typically split into "procedure fees" and "medication costs." Procedure fees cover monitoring ultrasounds, blood tests, the egg retrieval procedure, embryology lab work, and embryo transfer. Medications (injectable stimulation drugs) are usually billed separately, ranging from $4,000–$7,000 depending on your response. Optional add-ons like PGT genetic testing and ICSI are additional costs. Your HRC coordinator will provide a personalized cost estimate at your first consultation.
Does HRC offer refund guarantees or multi-cycle packages?
Yes. HRC offers multi-cycle IVF packages and a Shared Risk (refund guarantee) program. The Shared Risk program is designed for qualifying patients: if all embryo transfers are completed without a live birth, a substantial portion of fees is refunded. Multi-cycle packages let you complete 2-3 IVF cycles at a bundled discount — saving up to 30% compared to paying per cycle. See our Packages page for details, or contact an HRC coordinator to check your eligibility.
How do international patients handle payments?
International patients typically pay out-of-pocket. HRC can provide a bilingual (English/Chinese) Cost Estimate Letter to help you plan your budget or seek reimbursement from your employer or overseas insurer. We accept international wire transfer and major credit cards (Visa/Mastercard/Amex). We recommend contacting us through the online consultation form before your visit so we can prepare a detailed cost breakdown for you.
Does applying for medical financing require a US credit history?
Most US medical financing companies (such as Prosper Healthcare Lending and CapexMD) require a US Social Security Number (SSN) and US credit history, making them generally inaccessible to international patients. If you are in the US on a work visa with an established credit history, you may qualify. For international patients, the main payment routes are wire transfer or credit card — or consider a Shared Risk package to manage financial risk.
Related Topics
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