Assisted Fertilization of Eggs in the Laboratory

Vermont 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 October 2026.

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

$1,995

Typical negotiated rate. In Vermont, October 2026.

Insurers have agreed to pay about $1,995 for this service. The price depends on where it is billed: about $501 from a physician practice, and about $2,239 from a hospital or other facility.

Few insurers publish rates for this combination, so treat this figure as a rough guide.

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.

Prices by location type

Billed by	Who charges it	Typical	Range
Physician practiceA doctor's office, clinic or independent provider	A doctor's office, clinic or independent provider	$501	$501 to $891
FacilityA hospital or hospital-owned outpatient department	A hospital or hospital-owned outpatient department	$2,239	$2,239 to $2,239

How much rates vary

Facilitymedian $2,239 · 10th to 90th $1,995 to $2,239Professionalmedian $501 · 10th to 90th $501 to $1,698

Distribution of negotiated rates across all payers (price axis is log-scale). Small sample; interpret with caution. Need provider-level prices or 24+ months of history? Contact us.

Rates by insurance carrier

Insurance Carrier	Facility/Professional	Modifier	Typical Low	Median	Typical High
Aetna Setting Facility Modifier None Typical Low $2,238.72 Median $2,238.72 Typical High $2,238.72	Facility	None	$2,238.72	$2,238.72	$2,238.72
Aetna Setting Professional Modifier None Typical Low $501.19 Median $501.19 Typical High $891.25	Professional	None	$501.19	$501.19	$891.25
BCBS Vermont Setting Facility Modifier None Typical Low $1,995.26 Median $1,995.26 Typical High $1,995.26	Facility	None	$1,995.26	$1,995.26	$1,995.26
Cigna Setting Facility Modifier None Typical Low $263.03 Median $263.03 Typical High $263.03	Facility	None	$263.03	$263.03	$263.03
Cigna Setting Professional Modifier None Typical Low $524.81 Median $645.65 Typical High $1,698.24	Professional	None	$524.81	$645.65	$1,698.24
United Setting Professional Modifier None Typical Low $2,089.30 Median $2,089.30 Typical High $2,089.30	Professional	None	$2,089.30	$2,089.30	$2,089.30

Where Vermont sits

The same service costs 25.1 times more in Vermont than in Montana. 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.

Vermont· 1st of 51

$1,995

VT $1,995MT $79.43

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.