Is Egg Freezing Covered by Insurance?

What is Egg Freezing?

egg freezing

Egg freezing, also known as oocyte cryopreservation, is a medical procedure that allows women to freeze their eggs and preserve them for possible future use. Women usually undergo egg freezing for different reasons such as personal and medical. Those undergoing cancer treatment have to undergo radiation and chemotherapy for treating cancer or other severe diseases, which can negatively affect their fertility. So, they usually opt for egg freezing to have their eggs stored away for later use.

Moreover, younger women who want to focus on their careers or have not found the right partner or may not be financially stable to raise a child may opt for egg freezing to preserve their fertility till a later stage in life.

The procedure of Egg Freezing has been in use since the year 1986. Initially, success rates were very low, and egg freezing was considered an experimental procedure. Nowadays, with modern advancements in technology, the success rates of egg freezing have significantly improved.

The process of egg freezing involves several stages. At first, the woman undergoes ovarian stimulation using fertility drugs to encourage the production of multiple eggs. The eggs are then retrieved through a minor surgical procedure under the influence of anesthesia. The retrieved eggs are then frozen through a process called vitrification, which is a rapid freezing technique that uses liquid nitrogen to preserve the eggs. The frozen eggs are then stored in a facility until the woman is ready to use them.

While the procedure of egg freezing is a reliable and viable option, it does come with a considerable financial cost. The total cost of egg freezing can range from $5,000 to $15,000. This cost may vary depending on a few factors like the age of the woman, clinic location, medication, and the number of cycles she has undergone. This cost can be a significant barrier for many women

However, many insurance companies do cover the cost of egg freezing under some specific medical conditions. For example, insurance may cover the cost of egg freezing for women who need to undergo cancer treatment that may lead to infertility. It is essential to remember that different insurance companies may have different policies regarding egg freezing coverage.

In conclusion, Egg freezing is a medical procedure that can help many women preserve their fertility. It involves multiple stages, including ovarian stimulation and egg retrieval, which can be quite expensive. However, some insurance companies cover the cost of egg freezing for specific medical conditions, making it a feasible option for many women.

The Cost of Egg Freezing

Cost of Egg Freezing

Egg freezing or oocyte cryopreservation is a technology used to preserve a woman’s eggs that are harvested from her ovaries. The most widespread reason women undergo egg freezing is due to medical reasons, such as cancer treatments that might harm their fertility. However, women are also increasingly freezing their eggs for non-medical purposes, including social or career reasons. In this article, we will talk about the cost of egg freezing.

The cost of egg freezing largely varies from place to place. According to a survey conducted by FertilityIQ, the average cost of one cycle of egg freezing in the United States is estimated to be around $11,000 to $15,000, excluding the cost of medication, which can go up to $3,000 to $5,000. The cost of medication varies depending on the dosage and range of required drugs. Moreover, the cost of egg freezing can go up if you require more than one round of egg retrieval.

The cost of egg freezing in the United States depends on many factors, including the location, clinic, doctor, and the cost of medicines. For instance, the average cost of a single egg freezing cycle in New York is $12,000 to $15,000, while in California, it can go up to $15,000 to $20,000. On the other hand, in some states, the cost might be much less, as some clinics there offer discounted prices to patients who have medical insurance or have other significant factors that come into play.

If you have insurance coverage that covers assisted reproduction or infertility treatments, you might be eligible for insurance benefits that cover egg freezing treatment. However, every insurance company has its own policy and eligibility criteria for covering infertility treatments. Therefore, it is essential to check your coverage with your insurance provider before beginning the process.

Another aspect that may contribute to the expense of egg freezing is the storage of frozen eggs. Typically, egg freezing facilities charge an annual fee for storing frozen eggs, which can add up to the overall expense if a woman keeps her eggs frozen for an extended time. The cost of egg freezing storage generally varies between $300 to $500 per year, and some clinics may have additional costs, such as transport charges or storage deposits.

Some clinics provide affordable and discounted egg freezing packages that can significantly lower the cost of egg freezing. These discounts are provided to students, educators, military personnel, or people involved in social services. However, some clinics provide discounts if you pay for more than one cycle at once, and these packages could cost less than $10,000 per cycle.

In conclusion, the cost of egg freezing varies depending on multiple factors. The average cost of one cycle of egg freezing is approximately $11,000 to $15,000, excluding the cost of medication, which can go up to $3,000 to $5,000. Although it is costly and may add up to your overall expenses, it could be a useful way for women to preserve their fertility for future use, especially in medical emergencies such as cancer treatment. Some clinics may provide discounts on the overall cost, which can reduce the financial burden of egg freezing.

Insurance Coverage for Egg Freezing

Insurance Coverage for Egg Freezing

Egg freezing has become increasingly popular over the past few years, as more women are looking to delay starting their families due to pursuing educational, career, or other personal goals. However, the cost of this procedure can be quite substantial, ranging from $5,000 to $10,000, which is why many women are wondering whether their insurance will cover it.

Under certain circumstances, insurance companies may cover the cost of egg freezing. However, it is important to note that coverage can vary widely depending on the state, insurance provider, and type of plan. If you are considering freezing your eggs, the first step is to check with your insurance provider to see if they offer coverage for fertility preservation.

Types of Insurance Plans that Cover Egg Freezing

Currently, there are three types of insurance plans that cover egg freezing:

  • Employer-sponsored insurance plans
  • State-mandated insurance plans
  • Insurance plans that cover fertility treatments

Employer-Sponsored Insurance Plans: A growing number of employers are now offering benefits that cover fertility preservation, including egg freezing. If your employer offers this type of benefit, it can significantly reduce or eliminate the cost of the procedure entirely. It is important to note that coverage through employer-sponsored insurance plans may vary and may only be available for certain employees.

State-Mandated Insurance Plans: Certain states have laws that require insurance companies to cover the cost of fertility treatments, including egg freezing, for some or all their residents. Currently, 16 states in the US have these laws in place to cover infertility treatments. However, it is important to check the specific laws in your state to see if egg freezing is covered.

Insurance Plans that Cover Fertility Treatments: Some insurance providers may offer coverage for fertility treatments, including egg freezing. This is typically offered through a separate rider or add-on to your existing insurance plan, and it may only be available for those with a medical diagnosis that requires fertility treatments. It is important to note that coverage may also be subject to a lifetime maximum.

What Egg Freezing Costs Insurance May Cover?

Even if your insurance company covers the cost of egg freezing, it does not necessarily mean that they will cover all expenses associated with the procedure. Most insurance companies will only cover certain costs related to egg freezing, such as:

  • Initial consultation with a fertility specialist
  • Hormone stimulation medications
  • Egg retrieval and laboratory fees
  • Egg storage (for a certain length of time)

However, other expenses may not be covered, such as medications to manage pain, additional testing or consultations, and any complications that may arise from the procedure. It is important to check with your insurance provider to see if there are any other out-of-pocket costs that you may incur.


If you are considering egg freezing, it is crucial to understand the cost of the procedure and the types of insurance plans that may cover it. Even if your insurance provider does not offer coverage for egg freezing, there are other ways to finance it, including payment plans or using a fertility financing company.

Factors that Affect Insurance Coverage

Egg freezing and insurance

Insurance companies operate based on the terms and conditions outlined in the policy guidelines. These guidelines set out the coverage extended to policyholders. When it comes to egg freezing, insurance coverage is not straightforward. The coverage depends on multiple factors.

The most common factor that determines coverage is the reason for egg freezing. Medical reasons such as cancer treatment that may compromise reproductive health attract different coverage compared to non-medical reasons such as social egg freezing. Below are some of the factors that affect insurance coverage for egg freezing.

Reason for Egg Freezing

Egg freezing for medical reasons is often covered by insurance companies. These medical reasons can range from chemotherapy to autoimmune diseases that may affect fertility. That said, insurance policies differ, and such cover may only extend to specific plans or tiers of cover. If egg freezing is for social reasons such as delaying childbearing until later in life, insurance coverage may not apply. Most insurance policies explicitly exclude coverage for non-medical egg freezing.

Insurance Provider and Type of Cover

Insurance providers may offer different types of coverage. While one insurance provider may include fertility services as part of their standard cover, another may only offer it as an add-on. When it comes to egg freezing, policies may only cover for fertility preservation when it is related to cancer treatment. It is advisable to check the specific policy guidelines to understand what coverage is extended. Different providers may have different definitions of medical necessity, and that impacts cover.

Employer-provided Insurance

Employer-provided insurance coverage for egg freezing varies from one company to the next. While some companies include fertility preservation as part of standard employee benefits, others may not. Additionally, some companies may cover fertility preservation as part of their health savings account (HSA), while others offer fertility coverage through their insurance providers. It is crucial to talk to the HR representative at the employer to understand what egg freezing coverage the company provides.

State Laws on Coverage

While insurance operates based on policy guidelines, state laws can impact what coverage insurance offers. Some states have laws that compel insurance providers to cover fertility treatments, which extends to egg freezing. However, some states may exclude certain fertility services, such as non-medical reasons for egg freezing, from mandatory coverage. Potential beneficiaries of fertility services should consult their state laws to confirm the level of coverage available for egg freezing in their state.

Out of Pocket Cost

While some insurance companies may not cover egg freezing or limit the coverage, some may cover a portion of the cost. In cases where insurance covers part of the cost, the policyholder is required to pay the outstanding balance. Out of pocket cost pays for a significant portion of the expense, if not all. Considerations such as storage costs of the frozen eggs should also be factored in as the policy typically does not cover this cost.

Alternatives to Insurance Coverage for Egg Freezing

Alternatives to Insurance Coverage for Egg Freezing

While some insurance providers cover egg freezing as a medical necessity, many do not. This can leave individuals and couples seeking alternative methods to cover the cost of the procedure. Here are some alternative options to consider:

1. Fertility Clinic Financing Programs: Many fertility clinics offer financing programs for egg freezing and other fertility treatments. These programs may allow patients to pay for treatment in installments over a period of time. Be sure to research the terms and conditions of these programs, including interest rates and fees, before signing up.

2. Personal Loans: Some people choose to take out personal loans to cover the cost of egg freezing. This option may be available through banks, credit unions, or online lenders. It’s important to carefully consider the interest rates, fees, and repayment terms of these loans to determine if it’s the right option for you.

3. Assistance Programs: Some fertility clinics and organizations offer assistance programs to help cover the cost of fertility treatments, including egg freezing. These programs may provide financial assistance based on income, medical need, or other criteria. Be sure to research the eligibility requirements and application process for any assistance programs you’re considering.

4. Crowdfunding: Some individuals and couples turn to crowdfunding sites, such as GoFundMe or Kickstarter, to raise money for egg freezing and other fertility treatments. While this option can be successful for some, it’s important to approach crowdfunding with caution. Be sure to thoroughly research the site’s terms and conditions, and consider the potential risks and benefits before launching a campaign.

5. Employer Benefits: Some employers offer fertility benefits as part of their employee benefits package. These benefits may include coverage for egg freezing and other fertility treatments. Be sure to review your employer’s benefits package to determine if you’re eligible for fertility benefits and what services are covered.

Egg freezing can be a costly procedure, but there are alternative options available for those seeking fertility treatment. By researching and considering all of the available options, individuals and couples can make the best decision for their unique circumstances.

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