How Much Does IUI Really Cost? Budgeting for One Cycle and Beyond

When starting fertility treatment, many people assume IVF is the default path. But for some, intrauterine insemination (IUI) may be the first recommended step, especially if you're trying to keep costs lower and the diagnosis supports it. Still, IUI isn’t without financial considerations. Understanding how much one cycle really costs (and how quickly costs can add up over multiple rounds) is key to budgeting wisely — and knowing when it might make sense to move forward with IVF instead.

The Cost of IUI

The cost of one IUI cycle typically ranges from $500 to $3,000, depending on your clinic and how they price ultrasounds, insemination fees, and other related services. While this is significantly lower than the costs of IVF, IUI also has lower success rates. It may take three rounds of IUI to achieve the same success rate as one cycle of IVF. 

Fertility medications can also increase the cost. Depending on your treatment plan, medications may add anywhere from $500 to $4,000 per cycle.

When to Switch to IVF

You should consider switching from IUI to IVF after three to six failed IUI cycles, especially if you’re over 35 or have specific fertility challenges, such as blocked fallopian tubes, low ovarian reserve, or male-factor infertility. Your doctor may also recommend making the switch if you've experienced multiple early pregnancy losses.

Transitioning from IUI to IVF can come with a new set of financial considerations. While IVF boasts higher success rates, it's also more costly, especially when taking medications into account. Each cycle of treatment can cost an average of $12,000 to $20,000, depending on varying factors, including whether or not preimplantation genetic testing (PGT) is being done. It’s essential to review these costs before starting IUI treatment so you can be prepared in case you switch to IVF later on.

Financially Preparing for Treatment

The financial side of fertility care can be challenging to navigate, but you don't have to do it alone. First, talk with your employer or insurance provider to understand your coverage and any benefits. Then, work together alongside your partner (if applicable) to create a detailed financial plan, including saving money and reducing unnecessary spending. 

You can also look into financial assistance options like programs, grants, and loans. For instance, BUNDL offers a unique 1+1 package that includes one IUI and one IVF cycle, backed by our Success Guard guarantee. If your IUI is successful, we’ll refund the IVF portion — offering built-in flexibility and protection if your treatment plan changes.

Learn More About BUNDL

IUI is a more cost-effective fertility treatment; however, multiple cycles can become costly, leading some aspiring parents to switch to IVF. While IVF is highly effective, it's also more expensive. At BUNDL, we're committed to making fertility care accessible. Our 1+1 program provides the support and security you may need to move forward with your fertility journey. Contact us today for more information about our financial packages.