A single egg freezing cycle in the U.S. typically costs $9,000 to $13,000 when you add up the retrieval procedure and medications, with annual storage fees on top of that. That’s a significant expense, and most people cobble together payment from multiple sources. Here’s a breakdown of every realistic option available to you.
What You’re Actually Paying For
The egg retrieval procedure itself runs $6,000 to $8,000 at most clinics. Stimulation medications, the hormone injections you take for about two weeks before retrieval, add another $3,000 to $5,000. So a single cycle lands between $9,000 and $13,000 before storage.
After your eggs are frozen, you’ll pay $500 to $1,000 per year to keep them stored. That annual fee continues for as long as you want your eggs preserved, which could be five, ten, or fifteen years. Some people need more than one retrieval cycle to bank enough eggs, especially if they’re over 35, which can double the upfront cost.
Check Your Insurance First
Insurance coverage for egg freezing is expanding but still patchy. A growing number of states require private insurers to cover some fertility services, though the details vary widely. New York mandates cryopreservation coverage across all commercial insurance markets. Colorado, Connecticut, Illinois, Massachusetts, and New Jersey require coverage for fertility treatments in group plans, though self-insured employers (which includes many large companies) are often exempt. California will require large group plans to cover egg retrieval starting in January 2026.
Several states, including Maryland, New Hampshire, Rhode Island, and Delaware, specifically mandate coverage when a medical treatment like chemotherapy threatens your fertility. This is called iatrogenic infertility, and if you’re facing cancer treatment, your coverage options are broader than if you’re freezing eggs electively.
Even in states with mandates, the details matter. Self-insured employer plans are usually exempt from state laws because they’re regulated at the federal level. Call your insurance company directly, ask whether egg freezing or “oocyte cryopreservation” is a covered benefit, and get the answer in writing.
Employer-Sponsored Fertility Benefits
Hundreds of companies now include fertility benefits in their health plans. Major employers like Amazon, Apple, Google, Bank of America, Comcast, Meta, Capital One, Deloitte, and Starbucks offer some level of fertility coverage, often with a lifetime dollar cap. Smaller and mid-size companies increasingly offer these benefits too, particularly in competitive hiring markets like tech, finance, and healthcare.
Your HR department or benefits portal is the fastest way to find out what’s available. Look for a “fertility benefit” or “family building” section in your plan documents. Some companies partner with third-party fertility platforms that coordinate your care and manage the benefit on their behalf. If your employer doesn’t currently offer fertility coverage, it’s worth asking. Benefits teams track employee requests, and fertility coverage has become one of the most commonly added benefits in recent years.
Fertility Loans and Payment Plans
Several lenders specialize in fertility financing, and the terms are more favorable than putting everything on a credit card. Future Family offers monthly plans starting at $300 per month with interest rates as low as 0%. EggFund provides fixed-rate fertility loans starting at 6.99%, with repayment terms from 24 months up to 20 years. Prosper Healthcare Lending extends terms out to 84 months.
If you’re part of the Jewish community, JFLA’s Feit4Kidz program offers interest-free loans up to $15,000, repaid in small monthly installments over three to five years. Some fertility clinics also run their own in-house payment plans. CNY Fertility, for example, offers interest-free financing for up to two years.
Compare these options carefully. A 0% or low-interest fertility loan saves you thousands compared to a high-interest credit card. Apply to multiple lenders to see your actual rate before committing.
Grants That Cover Egg Freezing
Grants won’t cover the full cost for most people, but they can take a meaningful chunk off the bill. The Baby Quest Foundation awards $2,000 to $16,000 in grants (a combination of money and medications) for fertility procedures including egg freezing. It’s open to all genders, single people, and same-sex couples who are permanent U.S. residents. There’s a $50 application fee.
The Hope for Fertility Foundation offers grants up to $5,000 that can be applied to cryopreservation and related services like bloodwork. Applicants must be married, legal U.S. residents, and diagnosed with infertility. The Hopeful Mama Grant supports fertility preservation for eligible medical diagnoses. For residents of Connecticut or New York, the Nest Egg Foundation provides grants up to $10,000 for treatment at partner clinics in Connecticut.
RESOLVE, the National Infertility Association, maintains a comprehensive list of available grants and scholarships on their website. Application windows vary, so check back periodically if you don’t see an open cycle.
Financial Help for Cancer Patients
If you’re freezing eggs because of an upcoming cancer treatment, you have access to dedicated financial support. The Livestrong Fertility program partners with clinics across the country to offer at least 25% off fertility services. Through a partnership with EMD Serono, approved patients receive free stimulation medications, which eliminates that $3,000 to $5,000 medication cost entirely.
To qualify, you need a confirmed cancer diagnosis, your oncology team must agree that treatment could affect your fertility, and you must choose a Livestrong partner clinic. For birthing parents, your adjusted gross household income must be at or below $130,000 (single) or $170,000 (married), and you need to have limited or no insurance coverage for the procedure. Livestrong also provides case management to help you navigate the process quickly, which matters when cancer treatment timelines are tight. You can reach them at (855) 844-7777.
Using HSA or FSA Funds
Health Savings Accounts and Flexible Spending Accounts can be used for egg freezing, but only when the procedure qualifies as medically necessary. Freezing eggs before chemotherapy clearly meets this standard. Elective egg freezing for age-related fertility preservation is more of a gray area, and your plan administrator makes the final call.
If you want to use HSA or FSA dollars, your fertility clinic may need to provide a Letter of Medical Necessity explaining why the procedure is warranted. Contact your plan administrator before your retrieval to confirm eligibility and ask what documentation they require. Getting this sorted in advance avoids the headache of submitting a claim that gets denied.
Tax Deductions for Egg Freezing
The IRS allows you to deduct medical expenses that exceed 7.5% of your adjusted gross income, and fertility procedures can count. IRS Publication 502 specifically lists in vitro fertilization and “temporary storage of eggs or sperm” as deductible expenses for overcoming an inability to have children. The key phrase is “inability to have children.” If you’re freezing eggs due to a diagnosed fertility issue or medical condition, the deduction is straightforward. Elective freezing without a medical diagnosis is less clearly covered, and tax professionals interpret this differently.
Keep every receipt: the clinic fees, medication costs, storage invoices, and related lab work. Even if you’re unsure whether you’ll itemize, having documentation ready means you can take the deduction if your total medical expenses cross the threshold. A tax professional familiar with fertility expenses can help you determine what qualifies in your specific situation.
Multi-Cycle and Shared Risk Programs
Some clinics offer multi-cycle packages or shared risk programs that bundle several retrieval attempts into one upfront fee. The idea is straightforward: you pay more than a single cycle would cost, but if you need multiple rounds, you come out ahead. Some of these programs include a partial or full refund if treatment doesn’t succeed.
The tradeoff is real. If you get enough eggs in one cycle, you’ll have paid more than you needed to. Medications and pre-treatment screening are typically excluded from these packages, so factor those in when comparing prices. These programs work best for people who anticipate needing more than one cycle, particularly those over 35 or with lower ovarian reserve. Ask your clinic whether they offer bundled pricing and read the fine print on what triggers a refund versus what’s excluded.
Putting a Payment Strategy Together
Most people paying for egg freezing combine several of these options. A realistic approach might look like this: check your insurance and employer benefits first to see what’s covered, apply for one or two grants while you’re planning your timeline, use HSA funds for whatever portion qualifies, finance the remaining balance through a low-interest fertility loan, and save your receipts for a potential tax deduction. Even partial coverage from two or three sources can cut your out-of-pocket cost in half.
Start by getting a detailed cost estimate from your clinic that breaks out the procedure, medications, anesthesia, monitoring appointments, and storage fees. That line-item breakdown is what you’ll need for insurance pre-authorization, grant applications, and loan paperwork. Having those numbers in hand before you start applying makes every step faster.