Is egg freezing covered by HSA?
Asked by: Larry Ruecker | Last update: July 1, 2025Score: 4.2/5 (58 votes)
Is egg freezing a qualified medical expense?
As a baseline, the IRS has traditionally considered fertility preservation treatments, like egg freezing, to be tax-deductible only when they are deemed medically necessary. This typically refers to situations where a medical condition or treatment (such as chemotherapy for cancer) could cause infertility.
Can you use HSA for donor eggs?
Egg donor fees for the individual, spouse or dependent, including legal, donor, testing and agency fees, when deemed medically necessary by a doctor who has provided a Letter of Medical Necessity (LMN) are eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement ...
Does any insurance cover egg freezing?
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.
What does HSA cover for pregnancy?
Most of these are partially covered by a good health plan, but otherwise can use HSA: Breast pump, compression stockings, back/belly brace, prenatal massages, pelvic floor specialist, baby classes, upgrade from semi-private to private hospital room.
Egg freezing patients ‘misled’ by clinics | BBC News
Can I use HSA for fertility?
When embarking on the journey to build your family, every step matters, and with the right planning you can make the most of the resources you already have. FSA and HSA savings accounts are designed to help cover essential medical expenses and can be used for initial fertility consultations and testing.
Are ovulation kits HSA-eligible?
Ovulation monitors are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Ovulation monitors are not eligible with a dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).
What if I can't afford to freeze my eggs?
Depending on the fertility clinic you go to, they may offer payment plans or financial counseling that help you afford the cost of egg freezing, and sometimes with no interest.
How do you qualify for egg freezing?
Who Needs Egg (oocyte) Freezing? Cryopreservation of the oocytes can be considered for a variety of reasons: Women with cancer requiring chemotherapy and/or pelvic radiation therapy that may affect fertility. Surgery that may cause damage to the ovaries.
How much does egg freezing cost?
One cycle of egg freezing: $4,500 to $8,000.
Is egg freezing FSA eligible?
Temporary storage of egg, embryo or sperm and some medications required for IVF are all FSA Eligible. It's always best to check with your employer on your FSA's limits and coverage. IRMS offers free Financial Counsellor consults to discuss your finance options for fertility treatment.
What can you not pay with HSA?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
What disqualifies an egg donor?
Conditions like Hepatitis B and sexually transmitted infections (STIs) disqualify potential donors due to the risk of passing these infections to the recipient and the baby. If a candidate takes antidepressants or other drugs that affect fertility, she is also not allowed to become a donor at NGC.
Which employers cover egg freezing?
We have seen a growing trend in recent years of companies covering some, or all, of the cost of elective (i.e., non-medical) egg freezing as an employee benefit. For instance, Meta, Google, Netflix, Uber, and Apple are among the list of companies that offer some coverage for elective egg freezing.
Can I write off IVF on my taxes?
Elements of the IVF process that can be tax deducted, for couples with a diagnosis of infertility, include: Egg retrieval. In vitro fertilization (including temporary storage of eggs or sperm) on your own body. Breast pumps and supplies.
Is egg freezing considered a surgery?
Egg retrieval marks the end of the ovarian stimulation process and is one of the most misunderstood elements of an egg freezing or in vitro fertilization (IVF) cycle. While an egg retrieval does involve a surgical procedure and requires anesthesia, it shouldn't be something patients fear!
What is the best age to freeze your eggs?
Age does matter with fertility
Generally, fertility begins to drop as early as your late 20s or early 30s. It tends to fall more rapidly after age 35 as your egg reserves become even more depleted. Thus, the best age for freezing your eggs likely falls somewhere between 27 and 34.
Will insurance pay for egg freezing?
Considered elective by the majority of insurance companies, coverage for oocyte cryopreservation for both elective freezing and for oncofertility is rarely, if ever, covered in full by insurance.
Who is not a good candidate for egg freezing?
Age matters for egg freezing candidates
This means a woman in her late-30s to 40s has fewer eggs than a woman in her 20s to early-30s. Not only that, but as eggs age, they are more likely to have chromosomal abnormalities. These can result in miscarriage and birth defects.
Can you pay egg freezing with HSA?
An FSA and HSA will cover temporary storage for fertility storage. It will also cover any procedures to implant donor eggs and embryos, also including fertility medication. An FSA will not cover long-term storage.
How to get free egg freezing?
Donate some of your eggs.
If you'd like to explore egg donation further, we recommend the Split program with Freeze by Co. You get to keep half the eggs you retrieve and enjoy free storage for up to 10 years. Take the quiz to learn more and see if you qualify.
What are the cons of egg freezing?
- PMS-like side effects: The hormone injections you'll take at the beginning of the process can cause symptoms like bloating, irritability, cramping, and hot and cold flashes.
- Ovarian hyperstimulation syndrome: This condition can cause your ovaries to swell and leak fluid into your body.
Are tampons HSA eligible?
With the passage of the CARES Act in March 2020, tampons and other menstrual care products are now fully FSA-/HSA-eligible. According to the text of the bill, menstrual care products include, “tampon, pad, liner, cup, sponge, or similar product used by individuals with respect to menstruation…”
Can I use my HSA for modern fertility?
With Modern Fertility, you're able to test the same fertility hormones that you would in a clinic, for a fraction of the price. We're not able to accept insurance for the Modern Fertility Hormone Test, but you can get reimbursed through your HSA or FSA benefits.
Can you use HSA while pregnant?
Your HSA and your baby
You'll likely receive several ultrasounds throughout your pregnancy, which are HSA-eligible. Insurance premiums, breast pumps and supplies, and birth classes are also a go. Giving birth is a beautiful, life-changing experience.