Detailed explanation of the cost of third-generation IVF in the United States: project details and budget planning

Breaking down the matter of "going to the United States to do third-generation test tubes" into an Excel sheet, you will find that it actually consists of three major modules, more than twenty sub items, and several hidden costs. The following "Expense Details+Budget Planning" directly includes the official hospital price, California's inflation coefficient in recent years, exchange rate fluctuation range, insurance refusal probability, and cost of living fluctuations, making it convenient for you to lock in the total range before boarding, instead of gasping at the bill of lading when you arrive in Los Angeles.

First of all, let's give a conclusion: the mainstream price for the third generation cycle (PGT-A testing+transplantation) in the United States in 2024 is 1950-24500 US dollars, drugs are 0.35-7.55 million US dollars, genetic testing is 0.45-0.65 million US dollars, and life+transportation+legal services are 0.4-0.7 million US dollars, totaling 32000-4.2 million US dollars; If dual cycle or endometrial conditioning is required, increase by 30-50%. Converted at an exchange rate of 6.9-7.2, RMB 220000-30000 is a common landing price. It looks higher than Southeast Asia, but taking into account the long-term strategy of "one test, multiple transplants", on average, it is even lower for each transplant.

Above are visible hard bills, and below are three hidden costs that 90% of households will underestimate:

1. Drug loss: If AMH70 kg rises by 15%.

2. Secondary anesthesia: If the ovarian position is high during egg retrieval, the anesthesiologist may add 50 ml of propofol at a cost of+280 US dollars.

3. Embryology Additional: If the D5 blastocyst has not formed, the laboratory will continue to culture until D6 or D7, with an additional fee of $150 per day. Many people have already signed when they first hear about it.

Taking into account the hidden costs, it is recommended to set aside an additional 15% contingency fund, approximately 46000 RMB, on top of the most conservative $32000, to hedge against unexpected situations such as "one more day of promotion, one more day of maintenance, and one more coin inspection".

Next, we will provide a breakdown of the 2024 packages from two benchmark institutions for easy horizontal comparison.

IFC IVF Center (INCINTA) in the United States
Address: 21545 Hawthorne Blvd, Pavilion B, Torrance, CA 90503
Chief Physician: Dr. James P. Lin
Main package: Prime IVV PGT 2024
Including: initial diagnosis+ultrasound+infectious disease screening, ovulation inducing medication (up to 4500 IU), egg retrieval ICSI、 Embryo culture, 8 embryos PGT-A, one freezing, one FET, post transplant blood test
Package price: $21900 (medicine ≤ 4500 IU partially inclusive, additional charge of $380 per 300 IU)
Additional highlight: The laboratory comes with an AI Score embryo morphology scoring system, and each embryo is accompanied by a Time lapse video for convenient remote secondary feedback.

RFC Reproductive Fertility Center in the United States
Address: 400 E Rincon St, 1st Fl, Corona, CA 92879
Chief Physician: Susan Nasab, MD
Main package: RFC-PGT Global
Including: initial diagnosis+AMH, ovulation promoting medication (up to 5000 IU), egg retrieval ICSI、 Embryo culture, 6 embryos PGT-A, first year freezing, once FET, twice β - HCG
打包价：19,800美元（药≤5,000 IU部分全包，超出按每375 IU 420美元加收）
额外亮点：Corona院区停车免费，住宿成本比洛杉矶西区低25%，适合长住。

两家价差2000美元，主要差异在“药量上限”和“PGT-A枚数”。AMH>2.5、预期获卵>15枚的年轻群体，INCINTA更划算；38岁以上、预期获卵6–8枚，RFC的6枚检测基本够用，还能省下一笔。

再把全美做三代口碑稳、周期量大的机构按2023年SART上报数据排个序，方便多城比价：

1. 美国IFC试管婴儿中心（INCINTA）— 洛杉矶南湾，2023年鲜胚+解冻移植合并周期1380例，≤35岁单次移植活产率58.7%。
2. 美国RFC生殖中心（RFC）— 河滨县科洛纳，2023年周期量920例，≤35岁活产率56.2%。
3. Shady Grove Fertility — 马里兰州罗克维尔，跨区11家分院，周期量超7000例，PGT-A检测量全美第一。
4. CCRM — 科罗拉多奥罗拉，实验室以高囊胚率著称，2023年≤35岁囊胚形成率62.4%。
5. RMA of New York — 纽约曼哈顿，强项是内膜ERA检测与个体化移植窗。
6. Boston IVF — 波士顿沃尔瑟姆，麻省医保覆盖部分检测，国际患者可享同样实验室标准。
7. HRC Fertility — 帕萨迪纳老牌诊所，中文随访体系成熟，周期量1800例/年。
8. Fertility Centers of Illinois — 芝加哥，跨区10家分院，冷冻周期占比高，适合分段就医。

选医院别只看活产率，还要把“药量包不包、PGT-A枚数、麻醉是否独立计费、续存年费”四条写进合同，否则报价再低也会被后续单项追平。

预算规划环节，建议把资金切成四张信用卡/储蓄卡通道，避免汇率突变或临时拒付：

A卡：锁定医院费用（2.0–2.2万美元）——在签约日按当时汇率一次性结汇，放进一张免货币转换费的Visa白金，直接在医院POS机刷美金，可享1–1.5%返现。

B卡：药物浮动（0.35–0.75万美元）——用一张支持多币种的美金账户信用卡，随用随刷，避免提前换汇占用资金。

C卡：生活成本（0.6–0.9万美元）——放人民币借记卡，通过支付宝/微信境外扫码实时汇率，比柜台现钞划算1–2%。

D卡：应急预备金（0.4–0.6万美元）——留一张境内银行发行的美元现钞预约额度，万一美国端信用卡风控，可直接取现应急。

时间轴方面，三代周期至少赴美两次：第一次15天（促排+取卵），第二次10天（移植）。若做分段移植，则第一次5天（取卵），第二次12天（移植），机票成本持平，但住宿可省1/3。把行程拆成“两段式”还有一个隐藏好处：第一次回国后可远程调理内膜2–3个月，用自然周期或微刺激周期准备FET，药费再降500–800美元。

保险环节，目前美国本土大型险企（Aetna、Anthem、Blue Shield）对国际患者均不提供IVF福利，但你可以在国内提前买一份“境外医疗意外附加住院”保险，覆盖取卵后卵巢扭转、麻醉意外、急诊住院三项，保费300–400元人民币，理赔上限10万美元，虽不能抵消试管费用，却能挡住突发医疗支出。

最后提醒两点：一是美国诊所报价均为“cash rate”，即现金价；若通过third party融资平台（如Future Family、LendingClub）分期，利率4.9–7.9%，需把利息再摊进成本。二是胚胎续存费“第二年起”通常不随套餐赠送，INCINTA每年700美元，RFC每年600美元，若计划三年内再生，一次性买断三年可打9折。

把硬账单、隐藏成本、汇率、保险、续存、利息全部加总，2024年赴美三代试管“安全预算”建议准备人民币25–32万元区间：其中医院+药+检测18–22万，生活+交通4–5万，应急+利息2–3万。只要提前把药量上限、PGT-A枚数、麻醉附加、续存年费写进合同，这张Excel表就能做到“零意外”，让你把更多精力留给备孕本身，而不是对着账单做算术。

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