How Much Does Sperm or Egg Donation Cost?
- Donor Concierge
- Apr 28
- 4 min read
Updated: May 2
While everyone’s fertility journey is different, we’ve found that the one constant in helping families find more peace of mind is equipping them with the right information at the right time. We keep this in mind whether we’re presenting you with a list of ideal donors or helping you navigate your sperm donation cost or egg donation cost.
Third-party fertility options and assisted reproductive technology treatments do indeed come with specific associated costs that you can’t really get around. Still, the more you know, the easier it will be to understand what you can afford, how many rounds will fit into your budget, or even if grants are available to support your family-building dreams.
How much does sperm donation cost?
Donor sperm costs can range from under $1,000 for at-home insemination to more than $50,000 if sperm is tied to an additional assisted reproductive technology like IUI or IVF, which come with their own associated costs. Your unique fertility treatment costs will vary depending on what your fertility doctor suggests your treatment plan should include.
During your Donor Concierge sperm search, your case manager will curate a short list of options across 30+ sperm banks and agencies. After you’ve made your selection, your team will also walk you through how many vials to purchase and any other questions you need answered.
How much does egg donation cost?
On average, egg donation costs can range from $24,800 to $63,000. However, like sperm donor costs, egg donation costs vary based on the associated assisted reproductive technologies (ART) or other third-party costs. For instance, even if a family member is donating eggs, intended parents may still incur expenses for medical evaluations, lawyer fees, and more.
Another potential factor that can influence the cost of donor eggs is whether you use fresh eggs or previously frozen eggs, since the costs and accessibility for each type vary.
How do you finance egg or sperm donations?
Doing the math on the cost of egg or sperm donation can lead to overwhelming anxiety or fear. It's our job to make sure our clients understand the potential costs and introduce them to some financing options.
Existing Health Insurance and Company Benefits
Your first step to financing your fertility treatments is to check your existing insurance coverage in your state or your company benefits. You can ask your HR department to outline your company’s fertility benefits, if any. In our work, we’ve seen that many larger companies now offer generous fertility benefits through companies like Carrot Fertility, hoping to attract people who understand the value of preserving their fertility.
On a state level, California and Texas have laws that require insurance companies to offer coverage for infertility treatment. The following states have infertility diagnosis and treatment coverage laws:
Arkansas
Connecticut
Delaware
Hawaii
Illinois
Louisiana
Maryland
Massachusetts
Montana
New Jersey
New York
Ohio
Rhode Island
West Virginia
You can also turn to advocacy organizations like Resolve: The National Infertility Association, which has family-building financial resources to help you ask for fertility benefits and insurance coverage.
Fertility Financing Loans
In addition to baked-in coverage through your health insurance or company benefits, specific lenders can help finance your fertility journey. Some examples of organizations offering these loans include:
In navigating the borrowing process, you may find that these plans depend on estimated costs provided by doctors or agencies and offer access to loans up to $100,000.
Fertility Grants
With the growing awareness of surrogacy and egg donation needs, more options are becoming available to intended parents. Aside from insurance coverage and fertility loans, fertility and surrogacy grants are an increasingly common option.
The following organizations offer grants to intended parents who are unable to cover IVF or surrogacy costs often associated with egg or sperm donation:
Every family is different, and every intended parent’s situation is unique—some may save money by opting to “DIY” aspects of their journey, while others may save money by finding an agency or organization that can do the work more quickly.
Additionally, some grants and foundations specifically cater to certain regions, religious groups, and communities. You can see an expanded list of fertility grants and loans in our related blog post.
Start Your Journey With Trusted Experts by Your Side
The best thing to do throughout your fertility journey is to communicate with doctors, professionals, and your support system so that you can begin this process with as much information as possible. Luckily, Donor Concierge is here to serve as that bridge for you. Our job isn’t to overwhelm you; it’s to give you as much information as you need to make the best decision for you and your family.
If you’re ready to learn more, request a private consultation using our online form.
