Financial Considerations

Infertility Treatment Fees

Pursuing infertility treatment is a significant life decision for our San Francisco Bay Area and Sacramento patients from both emotional and financial perspectives. At Kaiser Permanente (KP), we strive to provide you with comprehensive information about our fees and financial policies up front, so you can focus on starting your treatment. During your consultation, you and your physician will discuss the services we offer and determine a treatment plan. Your treatment plan will be relayed to our financial team to estimate the total cost of services to be provided. A financial counselor will then contact you to discuss the cost estimate, insurance benefits (if applicable), and KP’s payment policies. Final costs may vary from the estimate if changes are made to your treatment plan. Full payment is required at the time of booking.

Important Notes about Fees

(1) Prices are subject to change without notice
(2) All treatments are based on Physician Recommendation
(3) Refunds will be issued in the same form that payment was received once all services have been rendered

The total cost quoted to you will include all applicable fees for services provided by KP including cycle management, monitoring, anesthesia, retrieval, transfer, embryology, genetic testing (KP biopsy fees only), and pregnancy testing fees.

We offer 6 months courtesy tissue (eggs, sperm, and/or embryos) storage in our KP facilities.* After 6 months, tissue will be transferred to ReproTech, our designated third-party facility for long term storage, where their fees will apply.

*Courtesy storage only applies to samples kept at Kaiser Permanente for the first 6 months of storage. Certain cases require that tissue be sent to our third-party storage facility immediately. In these cases, short-term courtesy storage does not apply.


IVF Cycle Average Fees

  • Single Fresh or Freeze All Cycle Fee: Approximately $12,000 – $16,500 Fees will depend on the cycle type and inclusion of additional services such as genetic testing, tissue biopsy, and ICSI.
  • Frozen Embryo Transfer: Approximately $4,000
  • Donor Fresh or Freeze All Cycle Fee: Approximately $13,500 – $16,500 Depending on your situation, you may also incur screening fees and agency fees depending on whether the donor is anonymous or known, as well as agency costs.

Oocyte (Egg) Fertility Preservation Average Fees

  • Elective Oocyte Fertility Preservation Single Cycle: $8,850
  • Onco-related Oocyte Fertility Preservation Single Cycle: $7,525

Male Fertility Treatments Average Fees

  • Sperm Retrieval: $6,500 – $7,500 (fees adjusted when combined with a vasectomy reversal)
  • Vasectomy Reversal: $9,500
  • Varicocele Repair: $5,500 – $6,500

Excluded From Fees

  • Medications are not included in our fees. Medication fees are paid directly to a specialty pharmacy and can cost up to $8,500 depending on the cycle type and physician order.
    • ReUnite RX offers discounts on medications for patients who qualify.
      • Complete an application online at: https://reuniterx.com
      • For questions please call (844) 385-5403 or email info@reuniterx.com
  • Genetic testing involves a biopsy of embryo tissue in the KP embryology lab and testing of the tissue in an outside, non-KP genetics lab. Testing fees are not included in KP’s fees and should be paid directly to the outside genetics lab.

Gestational Carrier IVF Fees

Gestational carrier/surrogacy cycles vary greatly making it difficult to estimate the cost. The total cost of cycle fees, screening, medications, agency fees, and gestational carrier compensation can range between $60,000 and $175,000 or more depending on if a private or agency surrogate is used and whether insurance benefits are available. Compensation is provided to gestational carriers recruited by an outside agency. Contact the agencies directly to obtain information about their specific costs. Compensation for a known gestational carrier is left up to the intended parent. Compensation information will need to be detailed in a legal agreement drawn up between all parties.


Insurance Coverage

Assisted reproductive technology (ART) treatments like IVF, male fertility services, and fertility preservation, are largely non-covered services; however, certain KP health plans do include these benefits. Prior to starting treatment, it is important to note the differences in the benefits and confirm whether they are included in your plan.

Many Kaiser Permanente members have the fertility benefit, which covers intrauterine inseminations (IUI) and basic infertility diagnosis and treatment. This benefit differs from the IVF benefit, which a much smaller percentage of KP members have. For services to be covered, the person receiving the treatment must have their own IVF benefits.

Sperm retrieval procedures are covered if the person undergoing the procedure has his own IVF benefits.

As of 2020, Kaiser Permanente will cover fertility preservation for certain medical indications. We recommend you speak with your Human Resources representative to understand your benefits. If you’re a Kaiser member, please call Member Services for additional information.


Methods of Payment

Methods of payment include cash, debit cards, and credit cards (Visa, MasterCard, American Express). Cashier’s check and money orders are also accepted and must be made payable to The Permanente Medical Group. Personal checks are not accepted.


Cancellations, Rescheduling, & Refund Policy

Once you are booked for your procedure, cancellations or rescheduling due to non-medical reasons will be subject to a $500 cancellation fee. This fee will be waived for medical reasons or natural pregnancy. The medical reason must be documented and verifiable. For IVF and fertility preservation, mid-cycle cancellations will be issued a refund or credit following deduction of fees for services rendered. Medications are not refundable.