Egg freezing can be costly, typically ranging from $10,000 to $20,000, plus storage fees.
We offer affordable and even free options, like our Split program, but if you don’t qualify, our Keep program provides discounts.
Check your health insurance for coverage. As of June 2022, only 20 US states require infertility coverage.
Large employers rarely cover proactive egg freezing, with just 19% offering it.
If your state or employer doesn’t cover it, understand your health insurance policy regarding egg freezing.
Your health insurance may cover some costs
Egg freezing, known as vitrification, involves various steps.
Insurance may cover some, like consultations, blood tests, and lab work.
Medications are often prescribed to manage ovulation.
The retrieval is an outpatient procedure under anesthesia.
Storage fees depend on the facility used, either on-site or by a third party.
Questions to ask your insurer
To get the best picture of what your insurance covers when you freeze your eggs you should call your benefit hotline to ask a few key coverage questions like:
- Are all of my medical consultations covered, especially if I meet with a few different facilities before choosing one?
- Do I have to have a diagnosis or preexisting condition to have any portion of freezing my eggs covered?
- How does the coverage for freezing my eggs factor into my lifetime limit for fertility treatment?
- Does my coverage change depending on whether the retrieval was successful?
- Will you cover any of the ongoing costs of freezing my eggs (like storage) and is there a time limit on how long that coverage lasts?
- What are my coverage options if I decide to use my eggs later on?
Making freezing your eggs more affordable
With our Split program, you can freeze eggs for free by donating half to families in need.
This helps LGBTQ+ parents, couples with infertility, or those with fertility-related medical conditions.
If you want to keep all your eggs, our Keep program offers affordable options when insurance doesn’t cover the full cost, potentially including reduced medication and storage fees, as well as consultation discounts based on your location.
Conclusion
Egg freezing is often expensive, but we’re thrilled to make it more accessible.
Our goal is to support reproductive choice for women and assist intended parents in completing their families through egg donation.
T Bag is an insurance expert with a degree in actuarial science from the University of Hartford. He has over 10 years of experience in risk management, product development, and pricing. He is a certified actuary and a member of the American Academy of Actuaries. He is passionate about helping clients find the best insurance solutions for their needs and goals. He is looking for new opportunities in the insurance field.