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Assisted Fertilization of Eggs in the Laboratory

Tennessee rates for HCPCS 89281

A laboratory step in fertility treatment where an embryologist uses fine instruments under a microscope to place sperm directly into collected eggs, instead of leaving sperm and eggs to combine on their own in a dish. It is used when sperm are few or slow-moving, or when fertilization failed in an earlier attempt. The eggs are then watched over the following days to see which have fertilized.

Rates data updated July 2026.

How much does Assisted Fertilization of Eggs in the Laboratory cost?

$776

Typical negotiated rate. In Tennessee, July 2026.

Insurers have agreed to pay about $776 for this service. The price depends on where it is billed: about $776 from a physician practice, and about $200 from a hospital or other facility. The two figures are alternatives, not parts of one bill.

These are rates insurers have negotiated with providers, not the amount a patient is billed. What you owe depends on your plan's deductible and coinsurance. Based on rates published by 4 insurance carriers under federal price transparency rules.

Where it's billed changes the price

Billed byTypicalRange
Physician practiceA doctor's office, clinic or independent provider$776$776 to $776
FacilityA hospital or hospital-owned outpatient department$200$129 to $631

How much rates vary

Facilitymedian $200 · 10th to 90th $60 to $1,122Professionalmedian $776 · 10th to 90th $661 to $813
$50$100$200$500$1Kfacility $200professional $776

Distribution of negotiated rates across all payers (price axis is log-scale). Each curve is scaled to its own total: facility and professional rates are different services, shown together to compare where they cluster. Need provider-level prices or 24+ months of history? Contact us.

Rates by insurance carrier

Insurance Carrier
Aetna
Setting
Facility
Modifier
Global
Typical Low
$630.96
Median
$776.25
Typical High
$1,122.02
Aetna
Setting
Professional
Modifier
Global
Typical Low
$776.25
Median
$776.25
Typical High
$812.83
BCBS
Setting
Professional
Modifier
Global
Typical Low
$144.54
Median
$181.97
Typical High
$181.97
Cigna
Setting
Facility
Modifier
Global
Typical Low
$39.81
Median
$275.42
Typical High
$512.86
Cigna
Setting
Professional
Modifier
Global
Typical Low
$524.81
Median
$645.65
Typical High
$1,202.26
United
Setting
Facility
Modifier
Global
Typical Low
$51.29
Median
$144.54
Typical High
$147.91
United
Setting
Professional
Modifier
Global
Typical Low
$39.81
Median
$213.80
Typical High
$1,230.27

Where Tennessee sits

The same service costs 8.1 times more in Hawaii than in Oklahoma. Every bar is a state, most expensive first. Touch or drag across it to read any state, then open that state for its carriers and full range.

Tennessee· 20th of 51

$776

HI $1,660OK $204

Median negotiated rate in each state, from every insurer that publishes one. States where no insurer publishes a rate for this service are not shown.