The Costs for Your Fertility Journey – Let’s Talk About It

First, the good news: most of the costs for fertility diagnostics for both men and women are covered by your health insurance. This applies to both public and private health insurance (unless specifically excluded in advance by contract).

For some specialized tests, such as immunological evaluations, the costs must be covered by the patient.

These costs are always discussed in advance and are based on the German Medical Fee Schedule (GOÄ), which is binding for all doctors.

Since all physicians are required to follow the GOÄ, this ensures transparency and security for you, as the costs are the same in every medical practice.

This means you don’t have to worry about comparing costs between different practices.

Health Insurance Coverage and Out-of-Pocket Costs for Married Couples

Whenever possible, a partial or full coverage of therapy costs must be requested from your health insurance provider before starting treatment.

For public health insurance, if all conditions are met, there is an application form, which will be completed for you by the Ceres Fertility Center.

The current requirements for cost coverage, applicable only to public health insurance, are:

1. The couple must be married
2. Both must be at least 25 years old
3. The man must not be older than 50, and the woman must not be older than 40
4. There must be a consultation certificate from a urologist and a gynecologist

Your health insurance will then cover 50% of the treatment costs for three attempts of insemination or artificial insemination (IVF/ICSI).

Out-of-pocket costs for insemination: approximately €50 - €80 (plus medication)
Out-of-pocket costs for IVF/ICSI therapy: approximately €800 - €900 (plus medication)

These legal requirements are mandatory for fertility treatment.

Costs of Artificial Insemination for Self-Payers

If one of the requirements for public health insurance is not met, for example, if a couple is unmarried, the costs of fertility treatment must be fully borne by the self-payer.

Fertility Treatment Costs: Single Woman or Lesbian Couple

This also applies when using donor sperm for a single woman or a "lesbian couple" or if the man or woman has previously undergone sterilization.

Insemination Costs for Self-Payers

Insemination for self-payers costs approximately €800 (plus medication) according to the German Medical Fee Schedule (GOÄ).

IVF and ICSI Costs for Self-Payers

The costs for self-payers for IVF/ICSI therapy are approximately €3,500 / €4,500 (plus medication).

Costs for Specialized Fertility Methods

Additional costs may arise when specialized methods are used in fertility treatments, or if fertilized eggs are frozen.

Social Freezing Costs: approximately €2,300 (plus medication)

Our Promise:

1. Absolute cost transparency from the start
2. No surprise costs due to prior consultation
3. Billing with your health insurance whenever possible