How much does IUI cost?

IUI (intrauterine insemination) typically costs $300–$1,500 per cycle for the base procedure, plus $500–$3,000 for medications and $200–$600 for monitoring visits. Total per-cycle costs range from $300 to $4,500 depending on your location and what is included.

Is IUI covered by insurance?

Insurance coverage for IUI varies widely by state and plan. Some states with fertility mandates require coverage for IUI as a diagnostic or treatment step. Always check with your insurer before your first cycle.

How many IUI cycles do I need?

Most physicians recommend 3–6 IUI cycles before moving to IVF. Success rates per cycle range from 10–20% depending on diagnosis, age, and whether medications are used. Cumulative success rates improve with each cycle.

IUI Cost Calculator 2026 — Free, Unbiased Estimate

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State (where you'll be treated)

IUI costs vary by state

How many cycles are you planning for?

1 cycle 2 cycles 3 cycles 6 cyclesFull recommended course

Most physicians recommend 3–6 cycles before considering IVF

Sperm source

Partner sperm Donor sperm+$200–$1,000/cycle

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Insurance coverage

No fertility coveragePaying entirely out of pocket Partial coverageSome costs covered by insurance Full coverageIUI cycles covered (with limits)

FSA or HSA account?

Yes, I have FSA/HSA funds

IUI and fertility medications are FSA/HSA eligible

What does your treatment include?

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Are medications included in your clinic's fee?

Yes, included No, billed separately+$500–$3,000/cycle I don't know yet

Are monitoring visits included in your clinic's fee?

Yes, included No, billed separately+$200–$600/cycle I don't know yet

Monitoring includes ultrasound and blood work to track follicle development and timing

Add sperm washing?

Yes+$200–$600/cycle No / included in fee

Sperm washing prepares the sample for IUI. Usually required unless already included in the base fee.

Next steps

→ Compare fertility financing options → Find IUI clinics in your state → Compare IVF costs if IUI doesn't succeed

Estimates based on ASRM published guidelines and clinic survey data. Costs vary significantly by clinic, protocol, and individual circumstances. This is not a quote. Always verify costs directly with your clinic.

IUI Cost Calculator

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