How much does PGT cost?

"How much does PGT cost?" is the wrong question. Not because cost doesn't matter, but because the number your clinic quotes you is hiding most of the actual expense, and the number you should really care about isn't even on the bill.

The lab fee for PGT-A is usually around $4,000 to $6,000 per cycle. A full IVF cycle with PGT-A and a frozen transfer runs more like $28,000 to $35,000 nationally once you include the biopsy, shipping, transfer, and medication changes. And the spread between clinics is absurd: two patients in the same city can pay amounts that differ by 400% for what is, on paper, the same test.

That's not a pricing model. That's chaos.

And because about 95% of insurance plans exclude PGT even when they cover IVF, most families are paying that chaos out of pocket.

Why the sticker price swings so much

Part of the problem is bundling. One clinic folds the biopsy and shipping into the PGT fee. Another itemizes everything. A third charges per embryo but includes the first few in a flat rate. The quote sounds like one number, but it's really a stack of fees that different clinics assemble in different ways.

The other problem is that people say "PGT" as if it were one test. It isn't. PGT-A asks whether an embryo has the wrong number of chromosomes. PGT-M asks whether it carries a specific mutation in your family. PGT-P asks something different again: among embryos that may all be chromosomally normal, which ones carry higher or lower genetic risk for common diseases like type 2 diabetes, heart disease, Alzheimer's, or breast cancer.

Those questions do not cost the same to answer. PGT-A is the simplest, and its main cost driver is embryo count. PGT-M costs more because each family needs a custom probe built around the specific mutation being tracked. That can add $7,000 to $12,000 on top of IVF. And PGT-P varies with the number of embryos and the number of conditions screened, because you're no longer just counting chromosomes or hunting for one mutation. You're asking for a much deeper read of the genome.

So yes, the online guides disagree. They're all correct. They're just describing different stacks, different tests, or different bundle rules.

The cost nobody puts on the quote

Most pricing guides compare PGT to your bank account. But the right comparison is to the decision you're making without it.

For PGT-A, the math is simple. An aneuploid embryo that gets transferred and fails to implant can cost you another full IVF cycle. That's $15,000 to $25,000 for a transfer that was never going to work. PGT-A doesn't guarantee a pregnancy. It just removes the embryos with close to zero chance before you spend the money and time transferring them.

For PGT-P, the logic is the same, but the mistake looks different. You're usually not avoiding a failed transfer. You're choosing between embryos that can all look fine under a microscope and all come back euploid, but still carry meaningfully different genetic risk for the conditions your family actually worries about. Our data shows spreads like 3.5% to 23.3% for type 2 diabetes across embryos in the same cohort. That's not a rounding error. That's a different life trajectory.

And this is the strange situation IVF families are still in. Clinics will spend enormous effort grading how an embryo looks and counting whether it has the right number of chromosomes, then ask families to choose between siblings without looking at the common diseases most likely to shape that child's adult life. That should seem primitive.

Our scores hold up in within-family validation, which is the only validation that matters when you're comparing siblings.

The question is not whether the test has a price tag. Of course it does. The question is whether you want to make this decision with less information than you could have had.

If you want to talk through what screening would cost in your specific situation, and what decision it would actually change, reach out to us.