How much does IVF cost in Chicago?
The IVF cost in Chicago is $12,500 to $15,500 for a single cycle before medication. With medication and one frozen transfer, one cycle runs $19,500 to $29,500.
- One cycle before medication: $12,500 to $15,500
- Medication adds $2,000 to $7,000. A frozen embryo transfer adds $4,950 to $7,000.
- Since 2026, Illinois requires group plans that cover pregnancy to cover IVF. Self-funded plans don't have to.
- Sunfish members pay one flat fee with all embryo transfers included. Gold members also get a guaranteed partial refund of up to $15,000 if they are unsuccessful.¹
What IVF typically costs in Chicago
Self-pay prices from Kindbody and other local clinics, before medication unless noted, checked October 2026. One Chicago cycle with medication lands near the $23,474 national average.
Ask about the cost of the following:
What the Sunfish package covers
The Sunfish IVF Success Program at Kindbody Chicago
One package for one fixed price: egg retrieval, anesthesia, embryology, embryo freezing with 12 months of storage, in-cycle monitoring and cycle management. All embryo transfers are included. You’ll receive a Sunfish quote after a call with our team.
The program covers the full package, all embryo transfers, financing and the medication price match. The Gold plan adds a guaranteed partial refund of up to $15,000¹, exclusive evidence-based resources including videos, articles, and easy-to-follow guides, and savings on long-term egg and embryo storage and transport, at-home wellness IVs, one-on-one mental health coaching, and more.
A short questionnaire, then a call with our team.
Insurance coverage in Illinois
Since January 1, 2026, Illinois requires insured group plans that cover pregnancy to cover infertility treatment, including IVF with up to four egg retrievals, no matter the employer's size. Self-funded employer plans are exempt.
Ask your HR team whether your plan is fully insured and what limits apply.
For a longer checklist, read our guide to questions to ask your insurance company before starting treatment.
Ways to pay for IVF
Per cycle, a loan, or one fixed price
You won’t receive a refund if you are unsuccessful.
You can also explore grants and discounts that may help with the cost.
Grants and discounts
Baby Quest Foundation, the Cade Foundation, Aneden Gives and Roaring Adventures fund part of a cycle for people who qualify. Men Having Babies supports gay fathers pursuing surrogacy. See our full grants and discounts database for what's open now.
Ways to lower the total
Ask for the freeze-all price if you plan genetic testing. Compare medication prices across specialty pharmacies. HSA and FSA dollars apply, and medical costs above 7.5% of your adjusted gross income are tax deductible if you itemize.
Common questions
How much does IVF cost in Chicago?
A cycle before medication runs $12,500 to $15,500, and $19,500 to $29,500 with medication and one transfer.
Does insurance cover IVF in Illinois?
Insured group plans that cover pregnancy must, with up to four egg retrievals. Self-funded plans are exempt, so check with HR.
How much do 4 rounds of IVF cost?
Four retrievals with medication come to about $58,000 to $90,000, before transfer fees.
Is IVF cheaper now?
Clinic fees haven't changed, but medication costs have. TrumpRx.gov launched in February 2026 with discounted EMD Serono fertility drugs, which the government estimates saves up to $2,200 per IVF cycle on fertility drugs. Separate federal guidance would also let employers offer fertility benefits alongside dental and vision, so it's worth asking HR.
What does the cycle fee include?
Monitoring, the egg retrieval, lab work and one fresh transfer. Medication, genetic testing, frozen transfers and storage after the first year are billed separately.
How much does egg freezing cost in Chicago?
Local clinics list egg freezing at $7,800 to $9,000 per cycle before medication. Sunfish also offers an Egg Freezing Success Program, which includes first-year storage and a free second cycle if the predicted number of eggs is not retrieved².
See what IVF would cost you in Chicago with Sunfish
Answer a few questions and our team will walk you through the program and your options.
¹ If a live birth is not achieved within the cost that Sunfish's software predicted for your plan, eligible patients may receive a partial refund of up to $15,000 or a discount to continue treatment. As part of the Sunfish IVF Success Program, Sunfish provides a Custom Financial Plan using Sunfish's proprietary software that calculates the expected financial costs for each family to achieve a Live Birth based on a range of factors. If you fail to achieve a Live Birth within your custom financial plan budget and there are unexpected financial costs that were not accurately predicted by the Financial Planning Tool, our software Warranty may entitle you to receive a partial refund of your treatment package costs. Additional costs may be incurred outside of the Treatment Package Costs. See our Sunfish IVF Success Program Agreement for conditions and details.
² If predicted number of eggs are not retrieved under Sunfish's software prediction, you are entitled to receive a free second cycle.
³ APR offered via our lending partner as of Nov 14, 2025. 0% APR for the first 6 months.