I just wanted to post an update to this thread--which was extremely helpful to me as I was navigating the federal insurance options and later budgeting for our first round of IVF--to say that almost all of this pricing breakdown has been the same in 2014. The only increase I've encountered has been for cryopreservation of embryos--it's now $1,750.

Aetna does not do FET, but the 50% rates were better when I did my cycle in 2011. I paid about 2000 for my drugs through their specialty pharm.

Fed open season starts in Nov so people should get the rates of both companies through Shady Grove before deciding,