How much is it to freeze your eggs with insurance?

Asked by: Kelly Hintz  |  Last update: August 30, 2023
Score: 4.7/5 (4 votes)

Egg freezing can cost about $4,500 to $8,000 per cycle. Insurance typically does not cover the cost of egg freezing but may in some circumstances. The exact cost of egg freezing varies depending on the clinic and your location.

Does insurance cover freezing eggs?

While some insurance policies may cover fertility preservation procedures, many exclude coverage for elective egg freezing. However, the landscape is evolving, and some insurance plans now offer coverage for egg freezing as a preventative measure for specific medical conditions.

How much does it cost to freeze 1 egg?

How Much Does It Cost to Freeze One Egg? A single cycle of egg freezing can cost anywhere from $15,000 to $20,000, according to FertilityIQ.

Why is egg freezing not covered by insurance?

Egg freezing can take a significant emotional, mental, and financial toll — one of the reasons being that it's not typically covered by insurance. This is because egg freezing is generally not considered a "medical necessity," even though we know that female fertility declines with age.

How do you pay for egg freezing?

How can I pay for egg freezing?
  1. Health insurance.
  2. Flexible spending account (FSA) or health savings account (HSA)
  3. Donate half your eggs.
  4. Financing.
  5. Sunfish.
  6. Ally.
  7. FutureFamily.
  8. Lending Club.

What to know before Egg Freezing: From cost, to insurance coverage and even legal issues

21 related questions found

What is the best age to freeze your eggs?

What is the best age to freeze eggs? Fertility starts to decline from the age of thirty and is greatly reduced after forty years of age. Therefore it the optimum age to freeze your eggs in your late twenties. However, freezing eggs at thirty to thirty five is also quite common.

Why is egg freezing so expensive?

The cost to freeze eggs

This includes pricey medications you'll probably need to inject yourself with and numerous clinic visits to assess your hormone levels as the cycle progresses. It also includes the egg retrieval process, which involves brief sedation and recovery.

Is it painful to freeze an egg?

“While you will feel some discomfort when you wake up—cramping, bloating—you shouldn't feel any pain,” Knopman says. Spotting and cramping is pretty common after you undergo an egg retrieval, Hirshfeld-Cytron says, and you may feel nauseous and wiped out.

Who is not a candidate for egg freezing?

Our Tennessee egg freezing specialists do not recommend egg freezing for women over the age of 37. Individuals at risk for premature ovarian failure. A woman with a family medical history of early menopause, or the loss of ovarian function before the age of 40, would be a good candidate for egg freezing.

How many eggs should I freeze?

Women under 35 should freeze 20 mature eggs for an 85% chance of having at least one child. Women 38 to 40 should freeze 30 mature eggs for a 75% chance of having at least one child. Women 40 to 42 should freeze 30 mature eggs for a 50% chance of having at least one child.

Is it more expensive to freeze eggs or embryos?

The average cost of embryo freezing and in vitro fertilization is about $10,000 per cycle, with medicines adding another $5,000 to the total. Freezing just eggs is slightly less expensive, about $8,000 with the same added costs for medicines.

Is egg freezing tax deductible?

To start, fertility treatments, including IUI, IVF, embryo/egg/sperm storage, lab fees, and any other medications and required procedures due to infertility are tax deductible. In that same vein, birth control, which many of us use at the outset of our IVF cycles, is also an expense that you are allowed to write off.

Do you go under anesthesia to freeze eggs?

The egg retrieval process uses a propofol-based anesthesia—not a general anesthesia, but rather an intravenous sedation medication—to ensure you feel no pain or discomfort during the egg retrieval process.

Do you need surgery to freeze your eggs?

During a 15-minute surgical procedure, your doctor will remove follicular fluid, containing eggs, from your ovaries. You'll be under mild sedation, so it won't hurt. It's done by needle through your vaginal wall—no cuts or stitches. Most people return to work the next day.

Can you get pregnant after freezing eggs?

However, some women who freeze their eggs later in life can successfully have a baby with them. It all depends on each patient's ovarian reserve (egg supply), which our Austin egg freezing specialists can test before beginning the freezing process.

Is it too late to freeze eggs at 36?

There is no actual age limit or cutoff for freezing your eggs, although the potential of those eggs turning into a live birth reduces in the 40s. According to research, women who are under age 36 when freezing their eggs have a 95% survival rate for their eggs once they are thawed.

How many eggs does a woman have?

When you are born, this number has reduced to around two million and by the time you reach puberty and begin menstruation (start your periods) you will have somewhere between 300,000 and 500,000 eggs remaining. At menopause, you will have 1,000 to 2,000 eggs remaining.

What are the negative effects of egg freezing?

Egg Freezing Risks

Risks are similar to those associated with ovarian stimulation for IVF, which include small risks of ovarian hyperstimulation syndrome (enlargement of the ovaries and fluid accumulation in the pelvis and abdomen), infection, and bleeding related to the egg retrieval procedure.

What is the negative side of freezing eggs?

The chance of serious egg freezing side effects is very low.

Occasionally, egg freezing medications can get the ovaries working too hard, resulting in what we call “ovarian hyperstimulation syndrome” or OHSS. OHSS is associated with swollen, enlarged ovaries and the collection of fluid in the abdominal cavity.

How many babies born from frozen eggs?

In a recent research paper, a team of experts from NYU's Grossman School of Medicine and Langone Fertility Center said the proportion of patients who ultimately had a baby after going through the whole process of freezing and using their eggs was just 39%—and the success rate was heavily influenced by the patient's age ...

How many eggs are released each period?

A woman is born with all her eggs. Once she starts her periods, 1 egg develops and is released during each menstrual cycle. Pregnancy happens if a man's sperm meet and fertilise the egg.

How much does it cost to freeze eggs in 2023?

One cycle of egg freezing: $4,500 to $8,000.

What if I froze my eggs at 37?

Studies show that age 37 is the ideal time for egg freezing. Women with frozen eggs at this age are twice as likely to get pregnant than those with none. From 37 and above, the clinic will have to extract as many eggs as possible. Women over 40 will need well over 20 eggs for just a 50% chance of success.