How Much Does Egg Freezing Cost in 2026?

What is included in the egg freezing cost?

The quoted cycle fee at most clinics covers:

• Pre-cycle consultations and baseline testing
• Monitoring appointments during stimulation (ultrasounds and bloodwork)
• The egg retrieval procedure
• Initial freezing (vitrification) of retrieved eggs

What is typically *not* included in the cycle fee:

• Fertility medications: injectable hormones to stimulate the ovaries cost $3,000–$6,000 and are often the biggest variable cost of an egg freezing cycle 1Ref 1Practice Committee of the American Society for Reproductive Medicine (2021).Evidence-based outcomes after oocyte cryopreservation for donor oocyte in vitro fertilization and planned oocyte cryopreservation: a guideline.Evidence-based framework for planned oocyte cryopreservation; outcomes data informing how many cycles patients typically need to reach target egg numbers.
• Anesthesia: sometimes billed separately, usually $500–$1,000.
• Annual egg storage: after the first year, ongoing storage typically runs $500–$1,000 per year.
• Future thaw and use: when you decide to use your eggs, thawing, fertilization, and an embryo transfer are billed as a separate cycle.

Does insurance cover egg freezing?

Most traditional health insurance plans do not cover elective egg freezing (freezing for social or family-planning reasons rather than a medical diagnosis). Coverage is more common in two scenarios:

• Medical fertility preservation: if you are freezing eggs before cancer treatment or another medical condition that may affect fertility, some plans — and most cancer center financial assistance programs — will cover part of the cost. Current oncofertility guidelines recommend that fertility preservation be offered and discussed before treatment begins 2Ref 2Su HI, Lacchetti C, Letourneau J, Partridge AH, et al. (2025).Fertility Preservation in People With Cancer: ASCO Guideline Update.Recommendation to offer fertility preservation (including egg freezing) to cancer patients before gonadotoxic therapy; medical indication that can trigger insurance coverage.
• Employer fertility benefits: a growing number of large employers include egg freezing in their benefits package, often through a dedicated fertility benefit platform with a defined lifetime dollar amount.

More than 20 states and the District of Columbia now have fertility insurance mandates 3Ref 3Peipert BJ, Montoya MN, Bedrick BS, Seifer DB, Jain T (2022).Impact of in vitro fertilization state mandates for third party insurance coverage in the United States: a review and critical assessment.More than 20 states have passed fertility insurance mandate legislation; significant variation in which states mandate fertility preservation vs. treatment only; mandates are associated with greater IVF utilization. Coverage scope varies — some mandate IVF only; others include fertility preservation. Check your plan's fertility or reproductive health benefit section, and ask specifically whether oocyte cryopreservation is covered and whether a medical necessity requirement applies.

How does annual storage cost add up over time?

Storage fees are ongoing as long as your eggs remain frozen. At $500–$1,000 per year, storing eggs for five years adds $2,500–$5,000 to the total cost, and ten years adds $5,000–$10,000. Some clinics lock in a storage rate at the time you freeze; others adjust rates over time. Ask about the long-term storage policy before signing.

The total lifetime cost of egg freezing — retrieval plus medications plus several years of storage — can approach $20,000–$30,000 or more before you use the eggs. Planning for that full picture helps avoid surprises. Patients who undergo more than one retrieval cycle to reach a target egg number will face higher total costs 1Ref 1Practice Committee of the American Society for Reproductive Medicine (2021).Evidence-based outcomes after oocyte cryopreservation for donor oocyte in vitro fertilization and planned oocyte cryopreservation: a guideline.Evidence-based framework for planned oocyte cryopreservation; outcomes data informing how many cycles patients typically need to reach target egg numbers.

What questions should I ask the clinic about cost?

Before committing, ask the clinic's financial coordinator:

• What exactly is included in the quoted cycle fee?
• Are medications included, or billed separately?
• What is the current annual storage rate, and can it change?
• Is there a discount for prepaying multiple years of storage?
• What does it cost to thaw and use the eggs when I am ready?
• Do you have payment plans or financing options?

A reproductive endocrinologist (RE) is the specialist who performs and oversees egg freezing. Gale can help you think through your questions and prepare for that first conversation.