Is Freezing Your Eggs Covered by Insurance?

Is Freezing Your Eggs Covered by Insurance?

If you are not ready to raise a family as yet and want to freeze your eggs for future use, then you are not alone. A large number of women today are taking advantage of the egg freezing procedure to make sure that they can build a family when the time is just perfect for them. However, there are a few things to consider before you take the leap for freezing your eggs.


One important factor is the cost involved in egg freezing. The total cost includes medication, treatment, and egg storage, and it is not cheap. But the decision to freeze your eggs can save you thousands of dollars in the future for fertility treatment. Since it is an expensive matter, it becomes important to know if you can avail insurance cover for freezing eggs.

Is It Covered by Insurance?

The fact is that insurance varies by payment as well as the provider. However, oocyte cryopreservation, which is commonly known as egg freezing, is generally not covered fully by insurance. But some parts of this procedure are covered by many insurance companies. So, if you are considering getting insurance for freezing eggs, you will first have to know which parts of the process can get coverage and then go for a cost-benefit ratio analysis.

Cost-Benefit Ratio Analysis

Cost-benefit ratio analysis involves considering the total cost of the egg freezing procedure and the cost covered under insurance and comparing this to the beneficial aspect of the procedure. This will give you a good idea of the monetary obligation in this matter.

The Bottom Line

Your decision to freeze or not to freeze your eggs must not depend on the financial aspect alone. You will have to consider the benefits of the process as well as the future costs involved for fertility treatment. Once you are clear about these aspects, you can select a suitable insurance company to help you out with egg freezing insurance.