Does Insurance Cover Freezing Eggs? The Ultimate 2025 Guide for U.S. Women

What Is The Cost Of Freezing Eggs?

Does Insurance Cover Freezing Eggs? Egg freezing or oocyte cryopreservation has become an extraordinary way for females to maintain their fertility. Be it to delay parenthood, undergo a gender transition, or prepare for cancer treatment, egg freezing provides reproductive freedom, and yet it remains quite expensive.

Hence comes the question: Will Insurance Cover Freezing Eggs in the U.S.? This guide separates everything out: what is covered, what is not, states with mandates, Medicaid implementations, benefits offered by employers, and what to do in case of denial in coverage.

What Is Egg Freezing and Who Is It For?

Egg freezing involves harvesting eggs, freezing them unfertilized, and storing them for later use through IVF. It’s used by:

• Cancer patients undergoing chemotherapy or radiation
• Trans men beginning hormone therapy
• Women with medical conditions like lupus or endometriosis
• Healthy women who want to delay childbearing (called elective or social egg freezing)

Does Insurance Cover Egg Freezing in the U.S.?

Quick Answer: Sometimes—but mostly for medical reasons.

Insurance coverage for freezing egg varies based on:

• Reason for freezing: medical vs. elective
• Your insurance provider
• State laws
• Employer benefits

Medical Egg Freezing Is More Commonly Covered

Several insurers may cover freezing egg if items like treatment for cancer or surgery on the reproductive organs are involved in the loss of fertility, especially if fertility preservation has been mandated in that state.

Elective Egg Freezing Is Rarely Covered

Some will cover it if it’s for medically necessary reasons, but if freezing eggs for non-medical reasons (like career planning/preference for waiting to meet the selection), most insurance plans would not provide the coverage unless made available as a benefit by the employer.

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States with Fertility Insurance Mandates (2025 Update)

As of 2025, 20+ U.S. states have fertility insurance mandates—but only 11 require coverage for fertility preservation like egg freezing for medical reasons.

🔔 Clarification: Not all states that mandate IVF also mandate coverage for fertility preservation like egg freezing. Be sure to check what your state law actually requires.

Employer Benefits: The New Route to Coverage

Private employers—especially large corporations—are filling the gap in fertility coverage. Many now offer egg freezing as a wellness perk, particularly in competitive industries.

Employers That Commonly Offer Coverage:

• Google
• Meta (Facebook)
• Apple
• Microsoft
• Amazon
• Salesforce
• Netflix
• Starbucks
• Goldman Sachs
• Tesla

These Benefits Often Include:

• Egg retrieval and freezing procedures
• Medication costs
• 1–3 years of storage
• Access to vetted clinics via providers like Progyny, Carrot Fertility, WINFertility

Medicaid and Egg Freezing: What to Know

⚠️ Elective egg freezing is not covered by Medicaid.

But here’s the important nuance:

✅ Some states (e.g., New York, Illinois) allow Medicaid to cover fertility preservation if medically necessary, such as:

• Chemotherapy
• Autoimmune conditions
• Genetic risks of infertility

Check with your state Medicaid office to confirm coverage criteria.

How Much Does Egg Freezing Cost Without Insurance?

If you’re paying out-of-pocket, here’s a breakdown:

💡 Most women need 1–2 cycles to freeze an adequate number of eggs.

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Will Insurance Cover Storage Fees?

Generally, no. Even if medical egg freezing is covered, long-term storage is often excluded.

Exceptions:

• Some employer plans (e.g., through Carrot or Progyny) may cover 1–3 years of storage.
• After that, you’ll pay $500–$1,200/year.

HSAs, FSAs, and Tax Implications

✅ Eligible for HSA/FSA Use:

• Medications
• Lab tests
• Consultations
• Retrieval (if medically necessary)

❌ Elective freezing usually isn’t tax-deductible, but medically indicated procedures may be.

Pro Tip: Consult a tax advisor to ensure you’re maximizing deductions and pre-tax benefits.

How to Check If You’re Covered

🧭 Ask your insurer the right questions:

• Does my plan cover fertility preservation for medical reasons?
• Are both medications and retrieval covered?
• Is preauthorization required?
• Does it cover storage fees, and for how long?
• Are specific clinics or labs required?

Denied Coverage? Here’s What to Do

If you’re denied coverage for medically necessary freezing, appeal the decision. Include:

1. A letter of medical necessity from your doctor
2. A breakdown of diagnosis and risk of infertility
3. Citations from ASRM (American Society for Reproductive Medicine)

Many women win appeals—especially in mandate states.

Alternative Financing Options

If you don’t have coverage:

• Fertility grants (e.g., Livestrong, The Chick Mission, Hope for Fertility Foundation)
• Clinic payment plans or loans
• Discounts at academic medical centers or clinical trials
• Dedicated fertility financing companies like CapexMD or Future Family

Fertility Insurance Providers to Know

Some companies offer standalone fertility benefits or can supplement your existing insurance:

• Progyny
• Carrot Fertility
• WINFertility
• Kindbody

Ask your employer if they partner with any of these.

Final Thoughts: Coverage is Expanding, But Still Uneven

Within reproductive health, egg freezing is gaining in acceptance. Coverage by the insurance companies is yet inconsistent. If you are freezing eggs for a medical reason, then coverage may be provided under state law or the employer policy; if it’s for an elective reason, then workplace perks, FSAs, and financing programs are your best opportunities.

✅ Takeaway Checklist:

• Understand whether your reason is medical or elective
• Check state laws and employer benefits
• Ask insurers the right questions
• Appeal if you’re denied
• Use FSAs/HSAs and grants to offset costs

FAQs

Q: Is egg freezing covered by health insurance?
Only sometimes. Most plans cover medical egg freezing, not elective.

Q: Does Medicaid ever cover it?
Yes—in some states like NY and IL, Medicaid covers medically necessary egg freezing.

Q: Can I deduct the cost on taxes?
If medically necessary, yes. Elective? No.

Q: Is storage covered?
Rarely. Some employer plans include 1–3 years of storage.

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