Which Health Insurance Cover Egg Freezing

Egg freezing can be expensive, and many insurance companies view it as elective, leading to limited coverage.

However, some providers might cover specific aspects of the procedure.

It’s recommended to discuss options with insurers beforehand.

One exception is when infertility results from medical treatments like cancer, where insurance may cover the process.

Why Freeze Your Eggs?

Many women face the dilemma of balancing career and family.

Society struggles to recognize both pursuits without one suffering.

Health Insurance for Egg Freezing
Egg freezing can be expensive, and many insurance companies view it as elective, leading to limited coverage: Photo source (Healthline)

More women are postponing childbirth to focus on careers, freezing eggs for future family planning.

This choice offers flexibility but comes with risks.

How Does It Work?

In 1986, biologist Christopher Chen pioneered successful live births through egg freezing.

However, the procedure was later labeled “experimental.”

It involves harvesting and storing eggs for future conception, but success isn’t guaranteed.

Advancements enhance chances, making it a viable option.

Eggs are thawed, fertilized in a lab, and implanted in the uterus through in vitro fertilization.

How Much Does It Cost?

The cost of freezing eggs typically falls between $30,000 and $40,000 for two cycles, covering expenses such as retrieval, prescriptions, and storage.

As individuals age, costs rise because more cycles are often required, and fewer eggs are retrieved.

On average, a single cycle costs around $15,991 nationwide.

Extending the option to store eggs at a younger age can lead to savings of more than $15,000 when compared to undergoing the procedure at an older age, as indicated by Extend Fertility.

Does Health Insurance Cover The Costs?

Insurance coverage for fertility treatment is mandated in 16 states including Arkansas, California, Connecticut, and New York.

If you reside in these states, insurance might assist with costs, though deductibles and out-of-pocket payments could still apply.

Even in other states, some health insurance plans cover medical expenses like blood tests.

Additionally, certain companies, especially in the tech industry, cover reproductive procedures and egg freezing to attract and retain female talent.

Are There Other Ways To Pay?

Fertility clinics are working hard to drive down costs or assist people discover other ways to pay for services as the practice becomes more popular.

However, if insurance does not pay, the most typical payment method is for individuals to pay out of pocket. Financing may also be an option for some.

Next Steps

More women are considering egg freezing in their twenties and thirties, allowing them to focus on their careers and choose a spouse at their own pace, rather than feeling rushed by their biological clock.

Storing eggs at a younger age not only increases chances of future parenthood but also reduces costs.

While health insurance may not cover it, having a job makes egg freezing more affordable.

Some states and employers support this choice, providing women with options for their reproductive future.

Which Insurance Company Covers Egg Freezing?

Blue Cross and Red Crescent Societies Blue Shield is one of the major insurance companies in the United States, and their customers are currently covered for egg freezing.

Is Egg Freezing Covered Under Insurance?

You are not alone if you are not yet ready to have a family and want to store your eggs for later usage.

Today, a big number of women are using the egg freezing method to ensure that they can start a family when the moment is right for them.

Before you go ahead and freeze your eggs, there are a few things to think about.


The cost of egg freezing is an essential consideration.

Medication, treatment, and egg storage are all included in the total cost, which is not inexpensive.

However, freezing your eggs can save you thousands of dollars in fertility treatment costs in the future.

Because freezing eggs is such an expensive procedure, it’s crucial to know if you may get insurance coverage for it.

Is It Covered By Insurance?

The truth is that insurance rates vary depending on the payment method and the provider.

However, oocyte cryopreservation, also known as egg freezing, is usually not fully covered by insurance.

However, many insurance companies cover some aspects of this surgery.

So, if you’re thinking about acquiring insurance for freezing eggs, you’ll need to figure out which aspects of the process are covered first and then do a cost-benefit analysis.

Cost-Benefit Ratio Analysis

The overall cost of the egg freezing technique, as well as the cost reimbursed by insurance, is compared to the procedure’s favorable feature in a cost-benefit ratio study.

This will give you an excellent sense of how much money you’ll have to pay in this situation.


Your decision to freeze or not freeze your eggs should not be based solely on financial considerations.

You’ll have to weigh the advantages of the procedure against the potential costs of fertility therapy in the future.

Once you’ve figured out these details, you’ll be able to find an appropriate insurance company to assist you with egg freezing insurance.

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