An Investment for the Future: How to Pay for Egg Freezing
Are you considering egg freezing but need to know more information about the egg freezing procedure, what it costs, and how to pay for it? Let’s take a closer look at egg freezing.
The Egg-Freezing Process
Egg cryopreservation, or egg freezing, is a method to preserve fertility at a time when eggs may be at their healthiest. It can help those who want to delay pregnancy for personal reasons as well as those going through medical treatments that reduce fertility in the future.
The process involves medications that stimulate the ovaries for egg development over a 10-14 day cycle. This stage can require multiple clinic visits to ensure the egg follicles’ growth is on track. Once the eggs have developed, healthy eggs are removed from the ovaries and immediately flash frozen and stored.
Egg freezing does not guarantee that all the eggs will be healthy enough to develop into an embryo. Patients might need to go through the process more than once, and success rates decrease as they get older. A higher number of eggs retrieved can increase the chances of success for a healthy live birth.
How Much Does it Cost to Freeze Eggs?
The total cost of a single egg-freezing cycle varies depending on the fertility clinic and the patient’s needs, but generally ranges from $15,000 to $20,000. This includes egg retrieval, pre and post procedure consultations, medications and storage for five years. The eventual costs of thawing and fertilizing the eggs are separate.
Many fertility clinics provide financing plans to help pay for the egg retrieval procedure. The plans don’t always cover the initial consultation, annual storage fees and medication.
Medication is often the next-largest expense after the cost of the procedure, ranging from $2,000 to $6,000. This includes fertility medication and antibiotics after egg retrieval. Diaz says she paid around $4,400 for medication over the course of a month — costs that weren’t included in her financing plan.
Financing Options for Egg Freezing
Here are common options to consider for financing an egg-freezing procedure.
Insurance. According to Mercer Health, an international health and benefits consulting firm, employers are increasingly offering health plans that cover fertility treatments — including egg freezing.
Clinic Financing. Many fertility clinics partner with financing companies that offer payment plans to clients. These plans typically have fixed monthly payments paid over one to five years, sometimes with no interest. Future Family, a fertility financing provider that works with fertility clinics, offers loans for egg-freezing procedures.
Loans. Personal loans are typically unsecured, with rates from 6% to 36%, depending on a borrower’s credit and income.