IVF Treatment Cost in Peoria, IL – 2025 Complete Guide

Facing fertility challenges can be emotionally and financially overwhelming. If you’re exploring your options, understanding the cost of IVF treatment in Peoria, IL is an essential first step. This 2025 guide uses data from trusted sources—including the American Society for Reproductive Medicine, the Centers for Medicare & Medicaid Services, and Fair Health—to help you make informed decisions. Whether you’re just starting or comparing clinics, we’re here to clarify what to expect in Peoria and how to plan ahead.

What is the average cost of IVF treatment in Peoria, IL?

The average cost of a single IVF (in vitro fertilization) cycle in Peoria, IL typically ranges from $11,000 to $14,000. This estimate includes basic procedures such as ovarian stimulation, egg retrieval, fertilization, and embryo transfer. However, this base price does not include medications, which can add another $3,000 to $5,000 per cycle.

According to the American Society for Reproductive Medicine (ASRM), the national average for one IVF cycle is approximately $12,400, though prices vary depending on region and clinic. Fair Health reports that in Illinois, IVF costs tend to be slightly lower than in major metro areas like Chicago, making Peoria a potentially more affordable option within the state.

Patients should also consider costs for additional services like embryo freezing, genetic testing, or intracytoplasmic sperm injection (ICSI), which may be necessary depending on your diagnosis and treatment plan.

What factors affect the cost of IVF treatment?

Several factors influence the total cost of IVF treatment. The most significant include:

• Medication Costs: Fertility drugs can add $3,000–$5,000 per cycle.
• Clinic Fees: Each fertility clinic sets its own pricing structure.
• Diagnostic Testing: Pre-treatment evaluations like hormone panels and ultrasounds may cost $500–$2,000.
• Additional Procedures: Services like ICSI, embryo freezing, or preimplantation genetic testing (PGT) can increase costs by $1,500–$5,000.
• Number of Cycles: Success may require multiple IVF attempts.

According to the Centers for Medicare & Medicaid Services (CMS.gov), geographic location and facility type also impact pricing. In Peoria, costs are generally lower than in larger Illinois cities, but still subject to variation based on the clinic’s reputation and technology.

Does insurance cover IVF treatment?

Illinois is one of the few states with a fertility insurance mandate. According to the Illinois Department of Insurance, group insurance policies that cover more than 25 employees and offer pregnancy-related benefits must also cover the diagnosis and treatment of infertility, including IVF, under certain conditions.

However, coverage varies by plan. Some policies may limit the number of IVF cycles or exclude certain services like embryo freezing or genetic testing. The American Society for Reproductive Medicine notes that patients should confirm coverage details directly with their insurance provider to understand deductibles, co-pays, and exclusions.

Medicaid does not currently cover IVF in Illinois. If you have a high-deductible or employer-sponsored plan, review your benefits summary or speak with a fertility benefits coordinator at your chosen clinic.

Are there payment plans or financing options available in Peoria?

Yes, many fertility clinics in Peoria offer payment plans and financing options to make IVF more accessible. These may include:

• In-house payment plans with monthly installments
• Third-party financing through companies like LendingClub or Prosper Healthcare Lending
• Multi-cycle discount packages
• Refund or “shared risk” programs that offer partial reimbursement if treatment is unsuccessful

According to the Society for Assisted Reproductive Technology (SART), more than 60% of IVF patients rely on some form of financing. Clinics in Peoria, such as those affiliated with OSF HealthCare or UnityPoint Health, often provide financial counseling to help patients navigate their options.

Always ask for a detailed cost breakdown and compare plans before committing to a financing agreement.

How does the cost in Peoria compare to other Illinois cities?

IVF treatment in Peoria is generally more affordable than in larger urban centers like Chicago or Naperville. According to FairHealth.org, the average IVF cycle in Chicago can cost between $13,000 and $17,000, not including medications or add-ons.

In contrast, Peoria clinics often offer base IVF packages starting around $11,000. This difference is due in part to lower overhead costs and less demand in mid-sized cities. However, fewer clinics in Peoria may mean limited availability or longer wait times compared to metropolitan areas.

Patients willing to travel may find cost savings in Peoria while still receiving high-quality care. Be sure to factor in travel and lodging expenses if you’re coming from outside the area.

What’s included in the IVF treatment cost?

The base cost of IVF treatment generally includes:

• Initial consultation and fertility assessment
• Ovarian stimulation and monitoring
• Egg retrieval and fertilization
• Embryo culture and transfer

However, the American College of Obstetricians and Gynecologists (ACOG) emphasizes that many essential services are often billed separately. These may include:

• Fertility medications ($3,000–$5,000)
• ICSI ($1,000–$2,000)
• Embryo freezing and storage ($500–$1,000 annually)
• Preimplantation genetic testing ($3,000–$5,000)

Always request a detailed quote from your clinic to understand which services are bundled and which are not. This will help you budget more accurately and avoid unexpected expenses.

Do I need additional procedures, and how much do they cost?

Depending on your fertility diagnosis, your doctor may recommend additional procedures such as:

• ICSI: Often used for male infertility; costs $1,000–$2,000
• PGT: Genetic testing of embryos; costs $3,000–$5,000
• Embryo freezing: $500–$1,000 for freezing; $300–$600/year for storage
• Donor eggs or sperm: Adds $5,000–$15,000 depending on source

The American Society for Reproductive Medicine notes that these procedures can improve success rates but significantly increase total costs. Your fertility specialist will help determine if these are necessary based on your medical history and test results.

How long does the IVF process take?

The entire IVF process typically takes 6 to 8 weeks from the start of ovarian stimulation to embryo transfer. Here’s a general timeline:

• Initial consultation and testing: 2–3 weeks
• Ovarian stimulation: 8–14 days
• Egg retrieval and fertilization: 1–2 days
• Embryo culture: 3–5 days
• Embryo transfer: 5–7 days post-retrieval

According to the Mayo Clinic, some patients may need to delay transfer for medical reasons or choose to freeze embryos for future use, which can extend the timeline. Clinics in Peoria typically follow standard IVF protocols, but individual timing may vary based on your response to treatment.

What is the success rate of IVF treatment?

IVF success rates vary based on age, diagnosis, and clinic. According to the Society for Assisted Reproductive Technology (SART), the average live birth rate per IVF cycle in the U.S. is:

• Under 35: 47%
• Age 35–37: 39%
• Age 38–40: 26%
• Over 40: 13%

Peoria clinics report similar success rates, though outcomes depend heavily on individual factors. Some clinics may offer cumulative success rates over multiple cycles, which can be more encouraging for patients undergoing several rounds of treatment.

Ask your clinic for their most recent SART-reported success rates and how they apply to your specific case.

Are there affordable alternatives to IVF?

Yes, several less invasive and more affordable fertility treatments exist,