A basic fertility workup for one person typically costs between $200 and $1,000 out of pocket, depending on which tests your doctor orders and where you live. For a couple, expect to spend $300 to $1,500 total when combining female hormone panels, imaging, and a semen analysis. These numbers can shift significantly based on your insurance coverage, your clinic’s pricing, and how many tests you actually need.
What a Basic Workup Includes
Fertility testing isn’t one single test. It’s a series of blood draws, imaging scans, and sometimes procedures that together paint a picture of what might be making it harder to conceive. For women, a standard evaluation usually starts with hormone blood tests and a transvaginal ultrasound. For men, it typically begins and sometimes ends with a semen analysis. Your doctor may order everything at once or start with the basics and add tests depending on what they find.
Female Hormone Testing
Hormone blood panels are the backbone of female fertility testing, and their cost varies wildly depending on how many hormones your clinic measures. A basic panel checking just two hormones (FSH and LH) can run around $485 at some clinics. A broader panel that includes AMH, FSH, estradiol, and LH has been quoted as low as $235. More comprehensive panels measuring seven or eight hormones tend to land in the $800 range, which works out to roughly $100 per hormone.
AMH (anti-Müllerian hormone) is one of the most informative markers because it estimates your remaining egg supply. FSH and estradiol help assess how your ovaries are functioning at a given point in your cycle. Some clinics also check thyroid hormones and prolactin, since imbalances in either can interfere with ovulation. If your doctor orders all of these together, expect to pay toward the higher end of that range.
Imaging and Procedures
A transvaginal ultrasound with antral follicle count is one of the first imaging tests most fertility specialists order. It lets your doctor see your uterus and ovaries directly, checking for fibroids, cysts, or other structural issues. The antral follicle count, done during the same ultrasound, estimates how many eggs your ovaries are likely to produce in a given cycle. This is a quick, in-office procedure that’s less expensive than more advanced imaging.
If your doctor suspects a structural problem inside the uterus itself, they may recommend a sonohysterogram (also called a hydrosonogram). This involves flushing a small amount of saline into the uterus during an ultrasound to get a clearer view of polyps, fibroids, scar tissue, or a uterine septum. Another common test, a hysterosalpingogram (HSG), uses dye and X-ray to check whether your fallopian tubes are open. These procedures cost more than basic bloodwork. Overall, fertility testing can range from $50 to $5,000 depending on how many imaging and procedural tests are needed, with lab work and semen analysis sitting at the lower end and imaging tests pushing the total higher.
Male Fertility Testing
A semen analysis is the standard starting point for male fertility evaluation and is one of the least expensive fertility tests. It measures sperm count, motility (how well sperm swim), and morphology (sperm shape). Most labs charge between $100 and $300 for a standard analysis. If results come back abnormal, your doctor may order hormone bloodwork for the male partner as well, which adds another $200 to $500 depending on the panel.
Initial Consultation Fees
Before any tests are ordered, you’ll typically have an initial visit with a reproductive endocrinologist. This consultation, where the doctor reviews your history, discusses your timeline, and decides which tests make sense, runs $250 to $350 out of pocket. Many insurance plans cover this visit even when they don’t cover fertility treatments, so check with your insurer before assuming you’ll pay the full amount.
At-Home Fertility Tests
If you want a preliminary snapshot before committing to a clinic visit, at-home test kits offer a lower-cost entry point. The Modern Fertility Hormone Test, one of the more popular options, costs $179 and measures seven hormones including AMH, FSH, LH, estradiol, TSH, prolactin, and free thyroxine. You collect a finger-prick blood sample at home, mail it to a lab, and get results in 7 to 10 days.
These kits are useful for getting a general sense of where your hormone levels stand, but they have limits. They can’t assess your fallopian tubes, check for structural issues in your uterus, or evaluate a male partner’s sperm. Think of them as a screening tool rather than a replacement for a full workup. If results flag something unusual, you’ll still need to follow up with a specialist.
What Insurance Typically Covers
Insurance coverage for fertility testing is a patchwork across the United States. More than a dozen states have some form of mandate requiring insurers to cover fertility diagnostics, though the details vary considerably. States like Connecticut, Iowa, Maryland, and South Dakota require individual and group insurers to cover fertility-related care, while excluding self-insured employers. Texas, Illinois, and Utah mandate coverage for the diagnosis of infertility, including lab tests and counseling, but explicitly exclude treatment like IVF or fertility medications.
Massachusetts requires insurers to cover infertility assessment, which includes your medical history, physical exam, lab testing, and counseling. Kansas covers both diagnosis and fertility drugs. New Jersey requires group insurers and HMOs to provide coverage, though employers with fewer than 25 employees are exempt. The District of Columbia will begin requiring coverage under large group plans starting in January 2026.
Even in states without mandates, many insurance plans cover diagnostic blood tests and ultrasounds when they’re coded as investigating a medical problem rather than as “infertility treatment.” The distinction between diagnosis and treatment matters: your plan might pay for the bloodwork and imaging that identify a problem but not for the IVF cycle that addresses it. Call your insurer and ask specifically about diagnostic fertility testing before your first appointment. If you’re on a self-insured employer plan (common at large companies), state mandates generally don’t apply to you, so coverage depends entirely on your employer’s plan design.
How to Keep Costs Down
If you’re paying out of pocket, a few strategies can make a real difference. Ask your clinic for an itemized list of recommended tests and their prices before agreeing to anything. Some clinics bundle tests into packages that cost less than ordering each one individually. You can also ask whether certain blood tests can be run through a standard lab like Quest or LabCorp rather than through the clinic’s own lab, which is often cheaper.
Starting with the most informative, least expensive tests makes sense too. A hormone panel and semen analysis together can reveal a likely cause in many cases, and both sit at the lower end of the cost spectrum. More expensive imaging and procedures can wait until those initial results come back. If your clinic quotes you a price that feels high, it’s worth calling a second clinic for comparison. Pricing varies significantly even within the same city.