How Much Does Artificial Insemination Cost?

Artificial Insemination Cost

Artificial insemination is well known as one of the most affordable and most effective fertility treatments to try. Most couples can afford to try artificial insemination and so it is often one of the first fertility treatments a couple tries.

In certain cases, health insurance may even cover the cost of artificial insemination. Where you live and work has a great influence on how much the artificial insemination procedure will cost as some or all of the procedure and preceding steps may be covered by health insurance and each state has its own laws governing overall pricing and insurance coverage of fertility treatments.

Factors that Affect the Cost of Artificial Insemination

The cost of your artificial insemination procedure will vary based on what services and resources you need for the fertility treatment to be most effective.


You will schedule a minimum of one consultation appointment with your fertility doctor to discuss your treatment plan. Your doctor will also order some diagnostic tests to help inform the plan. These test are likely charged on top of the artificial insemination procedure cost.

Testing for Ovulation

When you are ready to start an artificial insemination cycle, your doctor will instruct you to track ovulation to correctly time the procedure. You can use at-home monitoring and ovulation testing kits or doctor monitored ovulation, which includes fertility office visits, blood tests and ultrasounds. Both options incur different costs.

Fertility Medications

Many women are prescribed fertility medications, often Clomid, to stimulate ovulation and increase fertility. If you are ovulating regularly and using donated frozen sperm for your artificial insemination, you may not need fertility medications.

Semen Laboratory Processing

The man will provide a sperm sample the day of the procedure, which is processed in a laboratory to be used immediately in the artificial insemination. If using sperm donor or frozen sperm, there may be extra cost for the donor sperm or freezing storage.

Insemination Procedure

The actual artificial insemination usually takes only a few minutes to perform and may be done in one of the following ways:

1. At Home Insemination: An alternative to having your artificial insemination performed at a doctor’s office you may choose to try artificial insemination at home. Many couples who choose this method cite privacy and budget reasons. You can buy at-home artificial insemination kits over the counter for about $25-$150. This method is popular among couples, same sex or otherwise, in which the women is not experiencing fertility issues and needs a less precise treatment for the procedure to be effective.

2. Intracervical Insemination (ICI): Intracervical Insemination (ICI) is the most common type of artificial insemination. The procedure is performed in a doctor’s office. The doctor will plant the sperm near the cervix, giving it a greater chance of reaching the uterus and fertilizing an egg. This procedure usually costs $200-$300 per attempt and does not include other doctors visits, fertility medications or other resources that may be recommended during the process.

3. Intrauterine Insemination (IUI): The cost of Intrauterine Insemination (IUI) ranges from $300-$800 per cycle. During IUI, a highly mobile sperm specimen is washed and deposited into the uterus by way of a thin, sterile and flexible catheter. This type of artificial insemination is likely to incur the highest cost.

How Much Does Artificial Insemination Cost?

Costs of artificial insemination vary based on the factors and type of artificial insemination procedure you choose from the list above. On average, you can expect to spend $300-$500 per artificial insemination cycle. Your doctor will discuss cost and options and let you choose the treatment plan that’s right for you. At a fraction of the cost of IVF and effective for many, artificial insemination is often recommended as a fertility treatment you should try before pursuing more expensive and invasive options.

Optional services that can increase the cost of artificial insemination include:

    • Using donor sperm: Some donor sperm is free, but some can cost as much as thousands of dollars depending on where you get the specimen and how much testing you do beforehand. Things you can test donor sperm for include diseases, genetic profiles and more. Shipping and storage may also add cost.
    • Choosing gender costs around $1,600
    • Injectable fertility medications run around $50 per shot and often require multiple injections leading up to the artificial insemination procedure
  • You may order a pelvic ultrasound to check on the ovaries and uterus before the procedure. This runs about $150-$500 and is usually a one-time fee.

Get Help from Your Fertility Friend

Artificial Insemination Cost with Insurance

It is unwise to check on insurance coverage for artificial insemination by carrier. Rather, state laws typically govern whether or not your insurance company will cover some or all of the costs associated with artificial insemination as a fertility treatment. Look up the laws specific to your state to begin your research.