Most fertility pricing online is written about Manhattan. Long Island patients face a different situation: clinics spread from Lake Success to East Patchogue, fewer published prices, and early-morning monitoring visits that are far easier near home than on the LIRR. Start with the calculator above. It's set to three IUI cycles with oral medication, a common starting point.
IUI and IVF prices on Long Island (2026)
| Treatment | Per cycle | Notes |
|---|---|---|
| IUI, natural cycle | ≈$650–$1,900 | Procedure, sperm wash and monitoring |
| IUI with Clomid or letrozole | ≈$700–$2,000 | Oral medication itself is inexpensive |
| IUI with injectable medication | ≈$2,000–$4,000 | More monitoring and higher drug costs |
| IVF cycle | $14,000–$22,000 | Third-party Long Island estimate |
| IVF medication | $3,000–$7,000 | Often billed by a specialty pharmacy |
| Frozen embryo transfer | ≈$4,000–$6,000 | Per transfer |
IUI: what you're paying for
- The insemination itself: about $300 to $1,000.
- Sperm washing: about $150 to $400.
- Monitoring ultrasounds and bloodwork: about $200 to $500 per cycle.
- Medication: oral drugs cost tens of dollars; injectables can cost $500 to $2,000 or more per cycle.
Donor sperm, if you need it, is a separate purchase from a sperm bank and isn't included in these figures.
IVF: the bigger commitment
An IVF cycle covers ovarian stimulation, monitoring, egg retrieval under sedation, lab fertilization and usually a first embryo transfer. Add-ons push the total up quickly: genetic testing of embryos (PGT-A) often adds several thousand dollars, and every frozen transfer after the first is another $4,000 to $6,000. Our IVF cost in NYC guide breaks down each add-on in more detail.
How New York insurance works
- IVF: fully insured large-group plans (more than 100 employees) must cover three cycles of IVF, effective January 1, 2020. Age restrictions aren't allowed.
- Self-funded plans: exempt. Many large employers self-fund, so the size of your company alone doesn't tell you if you're covered.
- IUI: the state's IVF guidance doesn't mention it. Coverage depends on your policy.
- Fertility preservation: egg or sperm freezing before treatment that may cause infertility must be covered by fully insured individual, small and large group plans. See egg freezing costs on Long Island.
Long Island clinics
RMA Long Island runs its IVF lab in Melville and lists offices across the Island, including East Patchogue and West Islip, so most monitoring can happen close to home. Other options include Spring Fertility in Garden City and Stony Brook Medicine's Island Fertility in Commack. Addresses in online directories don't always match the clinics' own pages, so confirm the location before your first visit.
Living in the city? Compare with IVF costs in NYC and egg freezing in NYC.
Frequently asked questions
How much does IVF cost on Long Island?
Third-party estimates put a Long Island IVF cycle at about $14,000 to $22,000. Statewide, the median base cycle is around $17,600, and medication typically adds $3,000 to $7,000. Long Island clinics, including RMA Long Island, don't publish itemized prices, so ask a financial counselor for a written quote.
How much does IUI cost on Long Island?
Published New York-area ranges put the IUI procedure at $300 to $1,000, sperm washing at $150 to $400, and monitoring at $200 to $500 per cycle, so roughly $650 to $1,900 before medication. Oral medication such as Clomid or letrozole adds little; injectable medication can push a cycle to $2,000 to $4,000.
Does New York insurance cover IVF?
Since January 1, 2020, large-group plans (more than 100 employees) that are fully insured must cover three cycles of IVF, and they can't impose age restrictions. Self-funded employer plans are exempt under federal law. Ask HR which kind of plan you have.
Does New York insurance cover IUI?
The state's IVF guidance doesn't address IUI, so coverage depends on your plan. Check your policy documents or call your insurer before starting, and ask specifically about IUI, monitoring and medication.
Where are the fertility clinics on Long Island?
Larger groups have offices across both counties. RMA Long Island, which runs its IVF lab in Melville, lists offices including East Patchogue and West Islip. Other options include Spring Fertility in Garden City and Stony Brook Medicine's Island Fertility in Commack.
How many IUI cycles should I try before IVF?
There's no single rule. Many specialists suggest a few IUI cycles before moving on, depending on age and diagnosis. Because IUI is far cheaper per cycle, it's often tried first, but older patients may be advised to move to IVF sooner.
Sources & methodology
Prices are compiled from published provider price lists, government fee schedules and quotes, then adjusted for 2026. See how we price.