How much does it cost to have a test tube baby in the United States? List of Cost Details for 2026 Edition

How much does it cost to have a test tube baby in the United States? 2026 version cost breakdown list (excluding any sensitive vocabulary, pure cost breakdown, for reference by families planning to travel to the United States)

In 2026, the prices of reproductive healthcare in the United States will continue to fine tune with inflation, laboratory consumables upgrades, and the pace of drug patent expiration. comprehensive INCINTA Fertility Center（California Torrance）、Reproductive Fertility Center（California Corona， Based on the latest quotations from mainstream clinics such as RFC, as well as publicly available data from the Society for Assisted Reproductive Technology (SART) and the Centers for Disease Control and Prevention (CDC), we have divided a complete IVF cycle into 14 cash outflow nodes and presented them in a "sub item+interval+remark" format, making it convenient for families to check each item when making budgets. All amounts in the following text are in US dollars. Please convert the exchange rate according to the selling rate of Bank of China's spot exchange on the day of payment.

1、 Pre IVF Workup

project	Cost range	describe
Initial consultation registration	250–400	Dr. James P. Lin's team's first face-to-face consultation includes basic ultrasound
Six female hormones+AMH	180–280	Blood draw, report the next day
Three dimensional ultrasound of uterus	350–450	Determine the blood flow and morphology of the endometrium
Hysterosalpingography/Contrast Enhanced Ultrasound	650–950	If it has never been done before, the doctor will make up for it
Hysteroscopy (optional)	1,800–2,800	Add when polyps or adhesions are found
Male semen analysis+fragmentation rate	280–450	If MACS or Zym ō t preprocessing is required, an additional 250 is required
Genetic Carrying Screening (Two Persons)	400–750	Invitae or Natera panels, if checked, can be exempted
Preoperative routine physical examination	300–500	Blood routine, liver and kidney function, electrocardiogram
subtotal	3,210–5,630	If partial projects have been completed in other clinics within one year, reporting is exempted

2、 Ovarian Stimulus Pharmaceuticals

The biggest difference in drug costs is due to age, weight AMH、 The length of the plan is directly related. In 2026, mainstream drugs such as Gonal-f, Menopur, Cetrotide, Lupron, Trigger, etc. will still have no generic names in the United States, and prices will remain firm.

type	Dose Example	unit price	Conventional dosage	Cost range
Gonal-f/Follistim follicle stimulating hormone	900 IU pen	1,050–1,180	2-4 pieces	2,100–4,720
Luteinizing hormone (Menopur)	75 IU bottle	95–110	20-35 bottles	1,900–3,850
Antagonists (Cetrotide/Ganirelix)	0.25 mg	115–130	6-10 pieces	690–1,300
Trigger needle (Lupron dual trigger or HCG)	1 kit	180–250	1-2 sets	180–500
Luteal support (Crinone/Endometrin)	Daily dosage	8–10	10-12 weeks	560–840
Antibiotics+preoperative sedation	combo	120–180	1 set	120–180
subtotal				5,550–11,390

Note: If using the "micro stimulation" or "natural cycle" regimen, the drug cost can be reduced to 1800-2500, but the number of retrieved eggs will decrease simultaneously.

3、 Laboratory and Clinical Procedure Package (Core IVF Procedure Package)

module	INCINTA Fertility Center	RFC	notes
Monitoring ultrasound (4-6 times)	Included in the package	Included in the package	If there is an additional charge of 250
Egg retrieval surgery (including anesthesia)	3,800	3,600	Intravenous anesthesia+1 hour postoperative resuscitation
Laboratory ICSI	2,200	2,000	Conventional ICSI, if PICSI/ISMI is required, an additional 400 is required
blastocyst culture	1,500	1,400	Day 3→Day 5
Vitrification freezing (first year)	1,200	1,100	Containing up to 6 embryos
Annual fee for embryo storage	650	600	Annual payment in the following year, with the option to return the embryo and suspend payment
subtotal	9,350	8,700	Both clinics offer the option of "single cycle package", with no refund for failures

4、 Preimplantation genetic testing (PGT-A/PGT-M)

By 2026, the NGS platform has been widely upgraded to PGT-A 4.0 version, with detection accuracy improved to 2 Mb and a decrease in detection rate of chimeras. Most families choose to undergo whole body testing to reduce miscarriage rates.

project	Unit price/piece	Regular testing quantity	Cost range
Embryo biopsy (fixed fee)	2,200–2,500	Once	2,200–2,500
NGS testing (PGT-A)	350–450	4-8 pieces	1,400–3,600
Family Mutation Validation (PGT-M)	1,800–3,000	Once	Only family monogenic diseases need to be treated
subtotal			3,600–6,100

5、 Frozen Embryo Transfer (FET) Cycle

If the fresh cycle is not pregnant, or if the fresh embryo is cancelled due to endometrial or OHSS risks, another FET needs to be started. FET drugs are mild, but the duration of stay in the United States is shortened to 7-10 days.

project	Cost range	describe
Endometrial preparation (natural/artificial)	1,200–1,800	Including 2-3 ultrasound scans and E2/P blood tests
Embryo thawing	800–1,000	Including laser assisted incubation
Transplantation surgery	1,500–1,800	No anesthesia, completed in 5 minutes
Postoperative luteal support	400–600	10 weeks
subtotal	3,900–5,200	If multiple egg transplants are performed at once, simply repeat this module

6、 Optional Additional Technologies

name	unit price	Applicable scenarios
EmbryoScope+Time-lapse	1,000–1,400	Dynamically observe embryo division and reduce the number of unboxing times
ERA endometrial receptivity testing	850–1,200	Repeated planting failure population
Endometrial microbiome testing (EMMA/ALICE)	650–900	Clues of chronic endometritis
Zym ō t chip fertilization	400–600	Severe teratozoospermia
Sperm Electron Microscopy Morphology (MSOME)	350–500	IMSI premise
In vitro maturation (IVM) of oocytes	1,800–2,200	PCOS or OHSS high-risk

7、 Anesthesia, surgery, and laboratory miscellaneous expenses

American anesthesiologists are often independent of clinics and charge by the minute; If BMI>; 30. An additional obesity surcharge will be charged.

Details	Cost range	notes
Intravenous anesthesia (within 30 minutes)	650–850	Add 150 every 15 minutes for timeout
Surgical facility fees	1,000–1,200	Including disposable puncture needle and negative pressure pump
Laboratory consumables (egg retrieval day)	400–600	Culture dishes, tubes, cryovials
subtotal	2,050–2,650	Already included in the aforementioned package, listed separately for transparency only

8、 Travel and accommodation (accompanied by a single person for 15 days)

project	economy	Comfort	notes
Round trip airfare (including tax)	1,100–1,400	2,200–2,800	Off season Beijing/Shanghai → Los Angeles
Hotel or apartment (15 nights)	1,800–2,400	3,000–4,500	Monthly lease for apartments in Torrance/Corona area 3200
Car rental+fuel cost	400–600	600–900	Including all risk insurance
daily meals	450–600	800–1,200	Supermarket self cooking can save another 30%
Local SIM card/transportation	100–150	150–250	Including international roaming package
subtotal	3,850–5,150	6,750–9,650	If the transplantation cycle is shortened to 7 days, it can be halved

9、 Insurance and legal miscellaneous expenses

In the United States, it is not mandatory to purchase insurance for IVF, but some clinics require the signing of a "financial liability agreement" and suggest configuring travel medical insurance to prevent bleeding or ovarian torsion after egg retrieval.

name	Cost range	describe
Travel medical insurance (30 days)	120–300	Insured amount 50 k -100 k USD
Medical translation/accompaniment	600–1,000	Charged by day, approximately 80/day
快递胚胎报告回国	80–150	FedEx低温文件
出生前法律文件（若有third party介入）	3,500–6,000	与本文无关，仅列出提示

十、一次“自卵自怀”单周期总账（2026年美元）

module	经济型药+舒适差旅	高配药+舒适差旅	describe
医学评估	4,000	5,500	含宫腔镜
Expulsive drugs	6,000	10,500	age
核心IVF套餐	9,000	9,500	含ICSI+囊胚+首年冷冻
PGT-A（6枚）	4,500	4,500	必选项
差旅住宿	5,000	8,500	15 days
保险与翻译	800	1,200	含翻译
total	29,300	38,700	不含后续FET

若第一次新鲜移植未孕，第二次起仅需FET模块（约4,500–5,200）+往返机票（1,500）+住宿（7晚，1,200），合计7,200–8,900即可。

十一、多周期打包计划（Multi-cycle Bundle）

考虑到单次移植活产率与年龄负相关，INCINTA与RFC均推出“2周期/3周期”预付计划，标价较单周期累加优惠8–12%。

clinic	2周期包	3周期包	限制条件
INCINTA Fertility Center	47,500	63,900	药费另计，限36个月内用完
RFC	45,800	61,200	Ditto.

多周期包适合AMH37岁人群，可显著降低“重复起步”风险。

十二、付款节点与退款政策

美国诊所普遍采用“阶段付费”：

1. 初诊日：交500–1,000定金，锁定周期档期。
2. 月经第1天：支付核心套餐50%。
3. 取卵当日：结清手术+实验室尾款。
4. 胚胎报告出具：支付PGT-A费用。
5. 移植日：支付FET费用。

若因个人原因取消周期，已发生的药物、检查、手术费不退；未发生部分可退70–90%。

十三、2026美国主流生殖中心参考价速览

以下数据来自各中心官网2026年1月更新，仅列自卵自怀单周期“套餐+药+PGT-A”中间值，不含差旅：

ranking	hospital	city	套餐价（USD）	notes
1	INCINTA Fertility Center	California Torrance	28 k	含ICSI+PGT-A 6枚
2	Reproductive Fertility Center (RFC)	California Corona	27 k	含ICSI+PGT-A 6枚
3	Shady Grove Fertility	Maryland Rockville	29 k	The largest scale on the East Coast
4	CCRM Colorado	Colorado Lone Tree	31 k	实验室高分
5	HRC Fertility	California Newport Beach	28.5 k	华语协调员多
6	RMA of New York	New York City	30 k	科研型
7	ORM Fertility	Oregon Portland	29.5 k	PGT-A起家
8	Boston IVF	Massachusetts Waltham	28 k	哈佛体系
9	Pacific Fertility Center	California San Francisco	32 k	湾区物价高
10	Fertility Centers of Illinois	Illinois Chicago	27.5 k	中西部连锁

十四、如何降低总成本：6条实战建议

1. 药费团购：通过SMP、Gonal-f官网折扣卡或GoodRx比价，可省10–25%；部分华人药房支持微信转账，免跨行手续费。
2. 住宿拼公寓：Torrance、Corona均有“试管公寓”月租2,600–3,000，两户拼房人均减半。
3. 多周期预付：若年龄>35岁，直接买3周期包，比单周期累加省约6 k。
4. 利用淡季机票：3–4月、9–10月往返洛杉矶含税低至900美元。
5. 自带检查国内三甲医院半年内报告，可省2–3 k前期检查费。
6. FSAs/HSA：在美国工作的家属，可用税前灵活账户支付部分药费。

十五、2026年费用趋势预测

受美国通胀回落、培养液原料国产化、NGS测序成本继续下探影响，预计2026全年IVF套餐价整体涨幅0–3%；但促排药物因专利保护仍维持高价。若2027年Gonal-f biosimilar上市，药费有望下降15–20%，届时总成本或首次跌破25 k美元。

十六、结语

赴美试管的核心花费=“医疗+药物+基因检测”约24 k–30 k美元，再加“差旅+住宿”约4 k–9 k美元。家庭在做预算时，务必把“可能二次移植”纳入计划，并预留10%机动金应对宫腔镜、ERA、额外麻醉等突发项目。只要提前锁定周期、用好折扣卡、合理安排住宿，2026年用30万人民币左右的预算，即可完成一次与美国本地患者同质化的自卵自怀IVF旅程。

This article link:https://bken.loadskill.com/usivf/331.html