Complete Cost Breakdown
| Component | Low End | High End | Notes |
|---|---|---|---|
| Retrieval procedure | $7,000 | $12,000 | Monitoring, anesthesia, retrieval, lab |
| Medications | $3,000 | $7,000 | Depends on dosage/protocol |
| Anesthesia | $500 | $1,500 | Sometimes included |
| Initial cryopreservation | $0 | $2,000 | Often included in base price |
| Annual storage | $500 | $1,000 | Per year after first year |
| Total per cycle | $10,000–$19,000 | ||
Cost by City
Egg freezing prices vary dramatically by market. Here's what to expect:
Hidden Costs People Forget
Multiple cycles. If your first retrieval yields 8–12 eggs and you're targeting 15–20, you'll need a second cycle. Budget for 1.5 cycles as baseline, especially over 35.
Storage adds up. At $800/year average, 10 years = $8,000. Some clinics offer discounted prepaid storage.
Future IVF costs. When you thaw your eggs, you need an IVF/FET cycle to fertilize, create embryos, and transfer: another $4,000–$8,000.
| Total Journey | Estimate |
|---|---|
| 1 retrieval cycle + meds | $10,000–$19,000 |
| 2nd cycle if needed | $8,000–$16,000 |
| 10 years storage | $5,000–$10,000 |
| Future thaw + FET cycle | $4,000–$8,000 |
| Total freeze-to-baby | $25,000–$45,000 |
Employer Egg Freezing Benefits
The single biggest development in egg freezing economics. Companies including Apple, Google, Meta, Amazon, Microsoft, Salesforce, Goldman Sachs, JPMorgan, McKinsey, Netflix, and many mid-size employers now offer $10,000–$25,000+ in fertility benefits including egg freezing. Check your benefits portal or ask HR.
Even if your company doesn't explicitly list egg freezing, check for Progyny, Carrot Fertility, or Maven as third-party fertility benefits providers—they often include egg freezing coverage.
1. Search your benefits portal for "fertility" or "egg freezing." 2. Call your insurance card number and ask about oocyte cryopreservation. 3. Ask HR directly. 4. Check for Progyny/Carrot/Maven as fertility benefits providers.
Insurance Coverage
Medical egg freezing (before cancer treatment) is increasingly covered. Elective egg freezing is rarely covered by state mandates, which focus on infertility treatment. Some progressive states (CT, IL, NY) are broadening language to include fertility preservation.
6 Ways to Reduce Cost
- Use employer benefits first. Even $10K partial coverage changes everything.
- Get quotes from 3+ clinics. Same-city pricing varies significantly.
- Shop specialty pharmacies. MDR, Freedom Fertility, Alto—quotes vary $1,000+.
- Ask about multi-cycle packages. Bundled pricing saves 15–25%.
- Prepay storage. 5 or 10-year prepaid saves $2,000–$4,000.
- Consider freezing abroad. Spain and Colombia offer 50–70% savings.
Financing Options
HSA/FSA funds (egg freezing qualifies as medical expense), fertility-specific loans (CapexMD, Prosper Healthcare Lending), clinic payment plans (often 0% for 6–12 months), and 0% APR credit cards can bridge the gap.
FAQ
Medical Disclaimer
Costs vary by clinic, location, and individual treatment plan. Obtain itemized quotes before committing to treatment.
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