July 9, 2025
Starting a family is one of life’s biggest and most emotional decisions. It often stirs up a mix of emotions: excitement, hope, and understandably, some anxiety as well. But deciding to grow your family is just the beginning.
The path to welcoming a child into your family is a long one. For many Oregonians, that path includes in vitro fertilization (IVF). IVF in Oregon opens doors for future parents who may be facing infertility, pursuing parenthood as a same-sex couple, or exploring solo parenting.
It also raises a lot of questions.
About the cost of IVF in Oregon. About legal rights. About what to expect.
We’re here to help you understand the big picture. In this article, we’ll cover how much you can expect to pay for IVF in Oregon and legal considerations to keep in mind as you move forward.
IVF (in vitro fertilization) is a fertility treatment that helps people conceive a child when natural conception isn’t possible or has proven difficult. It involves retrieving eggs from the ovaries, fertilizing them with sperm in a lab, and then transferring one or more embryos into the uterus of the biological mother or a surrogate. The eggs and sperm can be of the biological parents or donated.
IVF can be emotionally and physically intense. But it comes with welcoming a new member to your family which is also incredibly rewarding.
There are several reasons why people may choose IVF. For some, IVF is a final step after years of trying to conceive naturally. For many LGBTQ+ couples, it’s the first step in building the family they’ve always dreamed of. Others still, choose IVF when they have genetic conditions they don’t want to pass on or if they want to be a single parent by choice.
If you’re exploring IVF in Portland, Oregon, know that you’re not alone, and whatever your reasons for choosing IVF, they’re valid.
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On average, one cycle of IVF in Oregon ranges from approximately $12,000 to $15,000. That doesn’t include medications, which can add another $3,000–$5,000 in expenses. Additional services, like genetic testing and frozen embryo transfer, can also increase the cost of IVF. If you’re wondering how much IVF is in Oregon, note that these costs are for a single IVF cycle. The total cost can quickly add up if more than one cycle is needed, which is often the case. According to the Society for Assisted Reproductive Technology (SART), the average live birth rate for first embryo transfers is 20.5% across age groups. Age is a big factor, with higher success rates for younger women (38.1% for women under 35) than for older women (3.8% for women over 42).
Additional costs might include:
Genetic testing
Donor sperm or eggs
Embryo freezing and storage
ICSI (intracytoplasmic sperm injection)
Many fertility clinics offer financing options. There are also programs, like the BabyQuest Foundation and the Hope for Fertility Foundation, that help eligible individuals and couples pay for treatment.
The National Infertility Association, Resolve, has compiled a comprehensive list of infertility financing programs and services.
If your employer provides fertility benefits, you may have partial coverage for IVF-related expenses. Review your insurance plan or speak with an HR representative to see if this applies to you.
Does insurance cover in vitro fertilization in Oregon? It depends on your insurance provider.
Unlike a few other states, Oregon does not currently mandate that private insurance companies cover fertility treatment or IVF. That means coverage is entirely dependent on your specific health plan or employer benefits. If you’re asking, “what insurance covers IVF in Oregon?” insurance providers like Moda, Kaiser, and Providence may cover up to $25,000 of fertility expenses.
Ask for a summary plan description if you’re not sure if your insurance provider offers fertility benefits. Look for sections labeled “infertility,” “reproductive health,” or “assisted reproductive technology.”
Access to fertility care is also expanding across the country. Some large employers voluntarily offer fertility coverage – something to keep in mind if you’re looking for a job and IVF is in your plans.
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Beyond the medical processes involved, IVF also comes with legal implications. From embryo ownership to parentage issues, it’s important to understand your rights. Depending on your situation legal challenges could arise, such as:
Embryo disputes in the event of divorce or separation;
Surrogacy and donor agreements;
Parentage rights for LGBTQ+ parents, especially in cases involving donors.
Oregon is generally considered a supportive state for family-building. Even so, it’s still wise to have clear, written agreements. Legal guidance could save you from future complications, particularly if you’re using donor gametes, working with a surrogate, or co-parenting with someone who isn’t a legal spouse.
We’ve worked with many families navigating the legal side of fertility, and we always recommend proactive planning. The earlier you talk to a lawyer who understands reproductive law, the better protected your family will be in the long run.
Whether you need guidance with second-parent adoption or just need assistance from an expert, it’s best to consult with a family creation lawyer or an assisted reproductive technology attorney.
You can use the Oregon State Bar’s referral service to find a lawyer or have your legal answers answered for free if you financially qualify.
The path to modern-day parenthood looks different for everyone. Choosing IVF is a big step and one that requires serious planning. You should hopefully now have a better idea of how much IVF costs in Oregon and what kind of legal considerations you should plan for.
At Gevurtz & Menashe, we’ve helped many Oregon families grow through IVF, surrogacy, and other assisted reproductive technologies. We know the law, and we also know how personal this journey is.
If you need help making sense of your legal options or want to make sure your rights and future family are protected, feel free to reach out.
