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PGT can add about $3,500 to $12,000 or more to the cost of IVF, depending on the type of testing and number of embryos tested. If you have already invested significantly in fertility treatment, another several thousand dollars can feel difficult to justify.
PGT is more than another line item in your IVF budget. It can be evaluated as part of your overall risk-management strategy, giving you additional information about your embryos before deciding which to transfer.
Understanding the cost and potential value of PGT can help you weigh the upfront expense against the financial and emotional impact of future transfer decisions, especially if you are creating embryos for surrogacy.
Breakdown of IVF Costs With PGT
A complete IVF cycle with PGT can cost about $25,000 to $35,000 or more when medications, genetic testing and other services are included. Your actual cost depends on your clinic, treatment plan and number of embryos tested. Typical expenses include:
- Medications ($3,000–$8,000): Covers ovarian stimulation medications used before egg retrieval.
- Egg Retrieval, IVF and Lab Fees ($10,000–$20,000): May include monitoring, egg retrieval, fertilization and embryo culture, depending on your clinic.
- PGT ($3,000–$7,000+): May include embryo biopsy and genetic laboratory testing. Costs can increase based on the type of PGT and number of embryos tested.
- Embryo Freezing ($1,000–$2,000): Covers cryopreservation of embryos for future transfer.
- Embryo Storage ($500–$1,000+ Per Year): Annual fees vary by fertility clinic or storage facility.
- Frozen Embryo Transfer ($4,000–$6,500+): Covers the transfer of a frozen embryo, although medications and monitoring may be billed separately.
Some clinics bundle several of these services, while others bill them separately. Request an itemized estimate so you can understand what is included before building your IVF and PGT budget.
How Much Does PGT Testing Cost Per Embryo?
PGT typically costs several thousand dollars per IVF cycle. Your total depends on your clinic, type of PGT and number of embryos tested. PGT pricing generally includes two components:
- Embryo Biopsy ($1,500–$3,000+): Your fertility clinic removes a small sample of cells from each embryo being tested.
- Genetic Testing ($1,500–$5,000+ Per Batch): A genetics laboratory analyzes the samples. Many programs include testing for a set number of embryos, often up to six or eight.
If you test more embryos than your package includes, additional testing can cost about $200–$500 per embryo. Ask your clinic how many embryos are included in its quoted price before calculating your total.
PGT Costs by Type
The cost of PGT depends on which type of genetic testing your embryos need. PGT-A screens for chromosome abnormalities, while PGT-M and PGT-SR address specific inherited or structural genetic concerns and may require additional laboratory work.
PGT-A Costs
PGT-A can cost about $3,500 to $7,500, depending on the laboratory and number of embryos tested. It screens embryos for an abnormal number of chromosomes and may be considered based on factors such as age, reproductive history and recommendations from your fertility specialist.
PGT-M Costs
PGT-M can cost about $5,000 to $12,000 or more. It tests embryos for a specific single-gene condition that a parent or genetic contributor could pass on, such as cystic fibrosis or sickle cell disease.
PGT-M may require a customized test for your family's specific genetic condition, which can increase the total cost.
PGT-SR Costs
PGT-SR can cost about $4,500 to $8,500. It tests embryos for chromosome abnormalities associated with structural rearrangements. It may be recommended when a genetic contributor has a known chromosome rearrangement, such as a balanced translocation.
Your fertility specialist and genetic counselor can help determine which type of PGT, if any, is appropriate for your circumstances.
Is PGT Covered by Insurance?
Insurance coverage for PGT depends on your provider, state requirements, employer fertility benefits and the medical reason testing is recommended. Even when IVF is covered, genetic testing may be subject to separate coverage rules. Coverage can also differ by the type of PGT:
- PGT-A: This screening is often considered elective and may be less likely to receive insurance coverage. Coverage varies by plan and medical circumstances.
- PGT-M and PGT-SR: Coverage may be more likely when testing is recommended due to a documented risk of passing on a genetic condition or chromosomal rearrangement.
Employer fertility benefits may also provide coverage for genetic testing depending on your specific plan. Confirm coverage with your insurer, benefits provider and fertility clinic before adding PGT to your treatment budget.
Can PGT Reduce Your Total Family Building Costs?
PGT increases your upfront IVF expenses, but it may reduce some later costs for patients with appropriate medical indications. The potential value depends on your age, reproductive history, embryos and reason for testing. Potential considerations include:
PGT may help identify embryos with chromosomal abnormalities before transfer, which can inform embryo selection. For some patients, selecting a chromosomally normal embryo may reduce the risk of miscarriage associated with chromosomal abnormalities. Avoiding an unsuccessful transfer may save transfer, medication and monitoring costs, but those potential savings must be weighed against the upfront cost of PGT. Reducing unsuccessful transfers or pregnancy losses may also lessen some of the emotional strain associated with repeated treatment.
When IVF does not go as planned, understanding your options can help you have a more informed conversation with your fertility specialist about whether PGT could play a role in your next steps.
Why PGT Can Be Even More Valuable for Surrogacy
Transferring screened embryos is especially valuable in surrogacy because every single transfer involves substantial legal, medical, and surrogate compensation expenses. A failed transfer in a surrogacy journey costs far more than just clinic fees. Each attempt involves:
- Surrogate monthly allowances and trial-run compensation.
- Travel expenses for medical monitoring and transfer days.
- Legal fees for contract updates or extensions.
- Delays in your overall timeline.
By ensuring only chromosomally healthy embryos are transferred, you support your gestational carrier's health, reduce avoidable delays, and help protect a much larger overall investment.
Is PGT Worth the Cost If You Have Limited Embryos?
When you have only one or two embryos, deciding whether to use PGT can be especially difficult. Testing adds another expense, but transferring an embryo without testing may also carry financial and emotional uncertainty. Several factors can help guide your decision:
- Embryo Quantity: With fewer embryos available, you and your fertility specialist may weigh the potential information from PGT against the additional procedures and costs involved.
- Age of the Egg Source: Chromosomal abnormalities become more common as egg age increases, which may make PGT-A more informative in some circumstances.
- Medical History: Recurrent pregnancy loss, previous IVF outcomes or a known genetic condition may affect whether testing is recommended.
- Your Fertility Specialist’s Guidance: Your doctor can help you evaluate whether PGT is likely to provide meaningful information for the embryos you have available.
There is no universal number of embryos that makes PGT worthwhile. Your decision should reflect your medical circumstances, family-building goals and your fertility specialist’s recommendations.
How American Surrogacy Helps Intended Parents Protect Their Investment
At American Surrogacy, we provide administrative and financial safeguards so you can build your family with confidence once your embryos are created. We support your family-building strategy through tailored agency programs:
Our active national outreach helps you match quickly once your embryos are ready for transfer. We conduct thorough medical, psychological, and background checks before matching to save time and reduce clinic rejections. Our financial protection program waives repeat agency fees and provides unlimited rematching if an unexpected disruption occurs.
We help you manage costs effectively while maintaining clear, predictable progress toward parenthood.
Next Steps: Deciding Whether IVF With PGT Makes Sense for Your Surrogacy Journey
Deciding whether PGT is worth the additional cost starts with your fertility specialist. They can help you weigh your embryo quantity, medical history and family-building goals to determine whether testing makes sense for you.
If you are creating embryos for surrogacy, you can also start preparing for what comes next. Once your embryos are ready, we can help you understand the surrogacy process, prepare for matching and coordinate with your fertility clinic when the time comes.
Fill out our contact form to connect with a surrogacy specialist. We can discuss your plans, answer your questions and help you prepare for the next stage of your journey.