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How much does it cost to go to the United States for IVF? Full cost analysis

Test tube encyclopedia website 2026-02-23 06:29:21 In vitro fertilization in the United States Read: 1146 times

📌Foreword
How much does it cost to go to the United States for IVF? "- This is the first question asked by almost all families who are preparing to cross the ocean to have children. The answer is not simple: the assisted reproductive market in the United States is highly mature, with an open and transparent pricing system. However, variables such as project portfolio, medication plan, laboratory level, insurance claims, cost of living, exchange rate fluctuations, lawyer fees, trust accounts, secondary transplantation, embryo storage, etc. can cause differences of thousands to tens of thousands of dollars in the final bill. This article breaks down the "visible" and "easily overlooked" aspects for you to see, making it easier for you to make a precise budget before traveling and avoiding the embarrassment of "discovering you didn't have enough money when you arrived in the United States".

🌏1、 Overview: A table to understand the panoramic view of spending money on IVF in the United States

stage Cost range (USD) Converted to RMB (at an exchange rate of 7.2) notes
1. Domestic pre examination+remote video 500 – 1,200 3,600 – 8,600 Six hormones AMH、 Hysteroscopy, infectious disease screening, etc. can be partially completed in tertiary hospitals
2. First visit at a US clinic+development of a plan 400 – 650 2,900 – 4,700 Including ultrasound, doctor consultation, and basic blood tests
3. Expulsive drugs 3,500 – 7,500 25,000 – 54,000 The older the age, the higher the dosage. FDA certified drugs are 20% more expensive than European versions
4. Egg retrieval surgery+laboratory operation 11,000 – 15,000 79,000 – 108,000 Including anesthesia ICSI、 Embryo culture, PGT-A testing (up to 8 embryos)
5. Embryo freezing+first-year storage 1,200 – 1,800 8,600 – 13,000 Annual renewal fee of $500-700 per year for the following year
6. First transplant 4,000 – 5,500 29,000 – 40,000 Including thawing, transplantation surgery, and postoperative luteal support
7. Second and subsequent transplants 3,000 – 4,000 22,000 – 29,000 Embryos can be thawed directly without the need for re egg retrieval
8. Early pregnancy blood test+ultrasound 800 – 1,500 5,800 – 11,000 After confirming fetal heart rate, graduate and return to China for prenatal examination
9. Legal& Trust& translation 2,000 – 4,000 14,000 – 29,000 Contract, account supervision, document translation, apostille authentication
10. Food, accommodation, and transportation in the United States (estimated for 30 days) 6,000 – 10,000 43,000 – 72,000 Apartment+car rental+daily dining, significant gap between Los Angeles/New York
11. Insurance& emergency 1,000 – 3,000 7,200 – 21,600 Overseas medical insurance+flight delay+cancellation insurance
12. Other miscellaneous expenses (express delivery, phone card, urgent) 500 – 1,000 3,600 – 7,200 International express blood samples, passport expedited, international roaming, etc

💡SummaryIf you graduate with one egg retrieval and one transplantation, and choose a mid-range apartment for accommodation, the total budget is about$28000- $35000(≈ 200000-250000 RMB); If a second transplant or a large dosage of medication is required, the interval will be raised to$35000- $42000(≈ 250000 to 300000 RMB).

🧮2、 Break down item by item: Where did all the money go?

1️⃣ Official clinic package
The mainstream clinics in the United States adopt a "global fee" package system, which usually includes: doctor's fees, ultrasound monitoring, operating room, anesthesia, embryology laboratory ICSI、 Assisted hatching, PGT-A (up to 8 embryos). The following is the official website quotation for the summer of 2024 (without medication):

  • IFC IVF Center (INCINTA, Dr. James P. Lin):13900 USD
  • RFC Reproductive Center (RFC, Dr. Susan Nasab):12850 USD
  • SCRC（Santa Monica）：15400 USD
  • HRC（Pasadena）：14200 US dollars
  • CCRM（Orange County）：16500 USD
  • RSMC（San Diego）：13500 USD
  • Boston IVF (remote transportation):14800 USD

⚠️ Attention: If FSH is high and AFC is low, a Duo Cycle package is required, with a price increase of about 40%.

2️⃣ Drug cost: the overlooked 'big head'
The US pharmacy sets independent prices, and clinics are only responsible for prescribing. Common solutions:

age Drug cost of antagonist regimen Long case drug cost notes
3,200 – 4,000 3,800 – 4,500 Usually 150-225 IU/day x 10-12 days
30-35 years old 4,000 – 5,500 4,500 – 6,000 Those who need to add growth hormone/testosterone gel+800
35-38 years old 5,000 – 6,500 5,500 – 7,000 Often combined with clomiphene and estrogen patch
&38 years old 6,000 – 8,500 7,000 – 9,500 Alternatively, micro stimulation can be used, and the cost of medication can be reduced to 2500

🔍 Money saving tips:

  • Ask American doctors to prescribe at "international pharmacies" such as IVF Pharmacies and Mandell's, which are 15-25% cheaper than clinic partner pharmacies.
  • Some European drugs (Merckonafen Türkiye version) are equivalent to FDA, which can save another 10%.
  • Bring the remaining medicine back to China with an insulated box and continue using it for the next transplant cycle.

3️⃣ PGT-A testing: charged per piece
General quotation for NGS technology:

  • 1-8 embryos: fixed value5500 US dollars
  • Starting from the 9th:350 USD per piece

If you choose to transplant directly without testing, you can save this cost, but it is not recommended for repeated abortions or the elderly population.

4️⃣ Freezing and Storage

  • Freezing fee:$1200-1800 USD(including the first year)
  • Renewal for the following year:500-700 USD/year
  • 长期预付折扣：一次性付5年享8折

5️⃣ Transplantation stage

  • 自然周期移植（无药或少量）：3,000 – 3,500 美元
  • 激素替代周期（HRT）：4,000 – 5,500 美元
  • ERA检测（可选）：850 美元
  • 宫腔镜复查（若发现粘连）：2,200 美元

6️⃣ 法律与信托
美国生殖医疗律师按小时计费，常见打包：

  • 合同起草/审核：1,500 – 2,500 美元
  • 信托账户监管：800 – 1,200 美元
  • 出生前裁判（Pre-birth Order）：1,000 – 1,500 美元

7️⃣ 生活成本：洛杉矶 vs 纽约
以30天为例（两夫妻）：

city 公寓（一室一厅） 租车（紧凑SUV） 餐饮+日常 total
洛杉矶（Torrance附近） 3,600 1,200 2,000 6,800
纽约（Long Island City） 5,500 1,600 2,500 9,600
丹佛（中等城市参考） 2,800 900 1,600 5,300

🚩提示：洛杉矶国际机场航班多、公寓供给足，整体性价比最高；纽约诊所多但住宿贵30–40%。

8️⃣ 保险能不能报？

  • 美国本土保险：只有极少数雇主自购计划含“infertility treatment”，且需满足不孕年限，境外身份无法购买。
  • 国内高端医疗险：如BUPA、AXA、招商信诺“尊享/臻享”可Reimburse“ medically necessary ”的试管费用，但必须有国内三甲医院不孕诊断，且境外发票需翻译公证，实际Reimburse比例50–70%。
  • flights & accommodation：任何保险都不涵盖。

🛂三、隐性成本：最容易被漏算的5笔钱

  1. 二次入境：移植失败需再飞一次，夫妻两人机票淡季也要1.2–1.5万人民币。
  2. Embryo transport：未来想转回国内，国际液氮快递3,500 – 4,500 美元（含关税）。
  3. 子宫内膜调理：PRP宫腔灌注、粒细胞刺激因子灌注每次600 – 900 美元，多数人需2–3次。
  4. 配偶加急赴美签证：若被拒签再约面签+加急通道，额外1,900 元。
  5. 妊娠期并发症：若在美国继续产检，早期出血住院一天2,500 美元起跳。

💳四、付款节奏与资金流

  • 签约时：交诊所定金3,000 – 5,000 美元（不可退，可抵治疗费）。
  • 月经周期第1天：付清剩余诊所套餐+药费≈15,000 – 20,000 美元。
  • 取卵当天：冷冻费+PGT-A≈6,000 – 7,000 美元。
  • 移植前：移植费+法律费≈5,000 – 6,000 美元。
  • 验孕成功：支付尾款杂费≈1,000 – 2,000 美元。

合计现金压力峰值出现在赴美第10–12天，需提前准备30,000 美元以上的流动资金。

💰五、如何降低总成本？7条实战建议

  1. 选药物“拼单”：与同周期患者合买整支果纳芬，比拆零便宜10%。
  2. 公寓“以租代购”：Airbnb谈整月可砍价15%，叠加平台新用户券再省200。
  3. 租车“长租折扣”：Turo平台30天套餐比机场柜台便宜25%，记得买全险。
  4. 自带医疗翻译：找有医学背景的翻译日薪150美元，比诊所官方220低32%。
  5. 冷冻胚胎“团购”：部分诊所3对夫妻一起签约，每对减免500美元存储费。
  6. 避开旺季：7–8月美国人也放假，公寓涨价20%，选2–3月或9–10月最划算。
  7. 用 cashback 信用卡：医疗类MCC码可返1.5–2%，30k美元能回血400–600。

🧾六、2024年最新价目速查表（单位：美元）

project 低价 Median price 高价 notes
诊所套餐（取卵+ICSI+PGT-A 8颗） 12,850 14,200 16,500 Non medicated
药费（35岁拮抗剂） 4,200 5,200 6,500 与体重、AMH相关
The first transplant 3,800 4,500 5,500 Including thawing, transplantation, and postoperative medication
一年胚胎存储 500 600 700 可一次付5年享8折
法律+信托 2,000 2,800 4,000 含合同+Pre-birth Order
夫妻30天生活 5,500 7,000 10,000 洛杉矶中位水平
总计（一次取卵一次移植） 28,650 34,300 40,200 不含二移及并发症

🪪七、签证、入境、海关：别因小失大

  • Visa Type：B1/B2即可，诚实说明“medical treatment”，携带诊所预约函+费用清单。
  • 现金携带：>1万美元需申报，建议用旅行支票+国际信用卡组合。
  • 海关问答：常问“带多少现金”“停留多久”“谁支付医疗费”，提前准备英文回答。
  • 延期停留：若验孕后想多留2周观察，可申请I-539延期，费用455美元，审批2–4周。

📊八、真实诊所对比：不只是价格

clinic 官方套餐 Laboratory level Chinese Nurse 周期排队 周边房租（30天）
IFC IVF Center in the United States 13,900 CAP/CLAI dual certification have 0–2周 3,600
RFC Reproductive Center in the United States 12,850 CAP/CLIA have 1–3周 3,400
SCRC 15,400 CAP/CLIA have 2-4 weeks 4,800
HRC 14,200 CAP/CLIA have 1–3周 4,200
CCRM 16,500 CAP/CLIA+EMBRYOSCOPE have 3–5周 5,000
RSMC 13,500 CAP/CLIA have 1-2 weeks 3,800
Boston IVF 14,800 CAP/CLIA none 4-6 weeks 5,500

🔍挑选逻辑：预算紧→优先RFC或RSMC；实验室要求高→CCRM；中文服务+低排队→INCINTA。

🧭九、时间轴：从国内检查到验孕回国

  1. 国内月经D2：激素+AMH+阴超，1天
  2. Video consultation：提交报告后2–3天安排，30分钟
  3. 签证+公寓+机票：2–3周
  4. Entering the United States：月经前1–2天到达，倒时差
  5. Promote emission monitoring：10–12天，回诊所4–5次
  6. Egg retrieval：D12–14，手术30分钟，休息24h
  7. 胚胎培养+检测：5–7天，报告2周出
  8. The first transplant：最快取卵后第5天（鲜胚），多数人选下周期（冻胚）
  9. Pregnancy Test：移植后第9天抽血，第12天官方确认
  10. Graduating and returning to China：验到胎心即可，约移植后4–5周

⏳全程最快28 days，多数人需45-60 days。

🧘十、心理&时间预算：别让“隐形支出”拖垮你
除了钱，时间也是成本。夫妻两人至少各请3次年假（促排、移植、验胎心），如工作无法远程，收入损失按2–4万人民币估算。心理压力会导致移植失败率升高，建议提前做正念训练或远程心理咨询，美国一次session150–200 美元，全程2–3次即可。

✅十一、一键自查：带多少钱才够？

极简版公式：
（诊所套餐+药费）×1.15（浮动10–15%）+ 5,000（移植）+ 7,000（生活）+ 3,000（法律&应急）= 30k 美元保底
若计划二次移植，再加4,000 美元。
conclusion：银行卡里至少放32,000 美元等值现金+信用卡10k额度，才能心里不慌。

🌈conclusion
赴美试管不是“花得越多越好”，而是“把钱花在刀刃上”。提前看懂价目、算清浮动、留足后备，你就能把30万人民币花在确定性最高的环节，而不是被动追加。祝每一个认真做预算的家庭，都能带着好消息顺利回国。

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