fertility treatment costs

Egg sharing programs exist worldwide to help make fertility care more accessible. Egg sharing generally describes when a donor undergoes an egg retrieval, and the resulting eggs are split between the donor and the intended parent(s). The family receiving the donor eggs pays for the egg retrieval and all associated expenses. 

In Cofertility’s Split program, donors can freeze their eggs for free when they donate half of the retrieved eggs to a family who can’t otherwise conceive. Families pursuing egg donation to build their family can match with an egg donor on our Family by Co platform.

Egg sharing programs provide an opportunity for egg donors to contribute to the fertility journey of others while also receiving a benefit for their own future family planning. In this guide, we will explore the concept of egg sharing and all the relevant information you need to know. 

What is egg donation sharing?

Egg donation sharing is a process when an egg donor agrees to donate half of her retrieved eggs to another couple or individual undergoing IVF. In traditional egg donation, the donor's eggs are exclusively given to the intended parents. However, in egg sharing, the donor has the opportunity to use some of the eggs retrieved for her own future family planning.

Egg sharing IVF

Egg sharing IVF is similar to traditional IVF in that the retrieved eggs are fertilized in a lab with the partner's or donor sperm, and then transferred to the intended mother's uterus. In egg sharing IVF, the donor's half of the retrieved eggs will be used for the intended parents, and the other half will be reserved for the donor's own use. Sometimes donors keep their eggs frozen for years, and other times they have them immediately fertilized and turned into embryos.

Egg sharing pros and cons

Pro: more affordable

One of the biggest advantages of egg sharing is that it allows for more affordable access to IVF for intended parents. Additionally, egg sharing can be a good option for egg donors who want to help others and also want to have the option to use some of their eggs for their own family planning in the future. 

Pro: less icky

Our unique model empowers women to take control of their own reproductive health while giving you the gift of a lifetime. Our donors aren’t doing it for cash – they keep half the eggs retrieved for their own future use, and donate half to your family.

Why is cash compensation problematic? A 2021 Harvard study found that 62% of donor-conceived adults felt the exchange of money for donor gametes was wrong, and 41% were troubled by the fact that money was exchanged around their conception. By allowing our donors to freeze their eggs as part of the process, our unique model honors everyone involved.

Pro: better for everyone involved

Our model empowers donors to preserve their own fertility, while lifting you up on your own journey. It’s a win-win.

Con: there are still risks

Egg freezing is considered a safe procedure. In a single egg freezing cycle, the risk of a serious adverse event is under 2.5%. Severe OHSS accounts for the majority of complications, occuring in 0.1-2% of cycles. The risk of other acute complications, including pelvic infection, intraperitoneal hemorrhage, or ovarian torsion, is small (<0.5%).

That being said, many women do experience minor side effects – like bloating, constipation, nausea – from the medications and egg retrieval. 

Egg sharing criteria

Our team screens donors through a rigorous, multi-step process to ensure each person is qualified and prepared to become an egg donor, going above and beyond FDA and ASRM-recommended screening guidelines. Before donors can be listed on our platform, we review their personal and family medical history and collect information on their lifestyle and behavioral habits. Most importantly, we meet 1:1 with every donor to get at the core of who she is as a person — her values, her goals, her personality. This allows us to provide you with the most thoughtful match possible.

Once you move forward with a match, the donor will undergo a physical examination, psychological evaluation, and full genetic screen. Your doctor will review these results and give us the green light to move forward. We will also ensure that donors are screened for background and education checks. 

What are the costs of egg sharing? 

The cost of egg sharing can vary based on whether you opt for a fresh or frozen donation cycle as well as other factors like the fertility clinic or donor's location. Unlike traditional egg donation, donors in egg sharing programs do not receive cash compensation, which can reduce your overall expenses.

For a more detailed breakdown of Cofertility's pricing, including estimates, you can visit our pricing page. All of our pricing also includes our Baby Guarantee, our promise that if for any reason outside your control your initial match does not lead to a live birth, we’ll re-match you for free until that happens.

What the data says about egg sharing

There is limited data on the success rates of egg sharing compared to traditional egg donation. However, some studies have suggested that egg sharing may result in higher success rates because the donor's eggs are being used in her own treatment cycle, meaning she may be more invested in the outcome. 

This study of 276 egg-sharing cycles concluded that egg sharing “provides a good opportunity for recipients and egg-sharing donors to achieve a live birth”. Specifically, the study found that by sharing (donating) their eggs with another family, the egg sharers did not reduce their chances of pregnancy and live birth.

“Those patients participating in an egg-sharing programme are providing a valuable resource of donor eggs,” the authors noted, “while not compromising their own treatment outcome or putting themselves at any additional risk of complications”.

At Cofertility, the average number of mature eggs a family receives and fertilizes is 12. Some intended parents want to do two egg retrievals with the donor which is definitely possible. We also ask each of our donors whether they are open to a second cycle as part of the initial application — many report that they are!

You can see how many eggs are retrieved in the first cycle and go from there. If, for any reason, the eggs retrieved in that round do not lead to a live birth, our baby guarantee will kick in and we’ll re-match you at no additional match deposit or Cofertility coordination fee.

Will I regret egg sharing?

Egg donors

While some egg donors report feeling a sense of pride and fulfillment from helping others build their families, others may experience feelings of regret or sadness. We have found that people who donate their eggs as part of an egg sharing program are less likely to feel regret. 

In fact, egg share donors usually feel that egg sharing was a win-win solution for donors and recipients alike. One study found egg share donors are happy with their decision, and 83.3% would donate again. Only 2.1% regretted their decision to participate.

Donor egg recipients

Ask anyone who has had a child, born with or without some type of assistance, and they will all tell you the same thing: parenting is the greatest - yet hardest - thing they have ever done. It doesn’t matter how the child came into their lives, the role and relationship of parent and child is the same. 

When working with parents who had donor conceived children, we have found their only real regret was they wished they had done this sooner. They wished they had let go of their preconceived notions that a baby who looks like them or who shares their genes is the only way to be a parent. That bringing a child into their lives using alternative methods means the child won’t see them as their real parent, or that they will not bond. 

Egg sharing programs near me

We work with families and egg donors around the world! Cofertility is unique in that we are clinic-agnostic, as long as the clinic reports outcomes to SART and has a CAP certified lab. Some clinics have specific requirements related to working with outside donors and have policies in place for how they handle those cases. If you already have a clinic in mind, reach out to our team and we can send a list of questions that we recommend you ask them before getting started. 

Best egg sharing program

We aim to be the best egg-sharing program, providing an experience that honors, respects, and uplifts everyone involved. Here’s what sets us apart:

• Human-centered. We didn’t like the status quo in egg donation. So we’re doing things differently, starting with our human-centered matching platform.
• Donor empowerment. Our model empowers donors to preserve their own fertility, while lifting you up on your own journey. It’s a win-win.
• Diversity: We’re proud of the fact that the donors on our platform are as diverse as the intended parents seeking to match with them. We work with intended parents to understand their own cultural values — including regional nuances — in hopes of finding them the perfect match.
• Baby guarantee. We truly want to help you bring your baby home, and we will re-match you for free until that happens.
• Lifetime support: Historically, other egg donation options have treated egg donor matching as a one-and-done experience. Beyond matching, beyond a pregnancy, beyond a birth…we believe in supporting the donor-conceived family for life. Our resources and education provide intended parents with the guidance they need to raise happy, healthy kids and celebrate their origin stories.

We are obsessed with improving the family-building journey — today or in the future — and are in an endless pursuit to make these experiences more positive. Create a free account to get started today!

For many, infertility treatment — whether or not you pursue egg donation — can be a costly process, even if it provides an incredible opportunity for people who want to achieve their dreams of parenthood. Fortunately, there are several ways to finance infertility costs (including the cost of using an egg donor) with loans that can make the process more accessible, a mission of ours here at Family by Co. 

Egg donation financing options to consider

Here are some options to consider when financing the use of an egg donor:

Financing programs

Some fertility clinics offer financing programs that allow individuals and couples to pay for egg donation services over time, often with little to no interest. These programs can make the cost of egg donation more manageable by breaking it down into smaller, more affordable payments. However, it's essential to understand the terms and conditions of the financing program, including any fees or penalties that may apply.

If you’ve decided you want to go the loan route, you have many options to choose from. There are general lending companies as well as companies that specialize in loans just for fertility treatments. 

Sunfish

Sunfish makes fertility treatment attainable for all types of families. If you’re pursuing egg donation and are interested in working with Family by Co to find your perfect match, we've partnered with Sunfish to offer you fertility financial resources and support throughout your journey. Sunfish offers the most comprehensive marketplace of financial options for IVF, egg freezing, embryo preservations, gestational surrogacy, egg donations, and more, up to $100,000 at industry-low rates. 

Sunfish has also waived their application and membership fees for all intended parents who are working with Cofertility. To take advantage of Cofertility’s infertility loan partnership with Sunfish, click here.

Ally

Ally’s loans offer solutions to cover the cost of infertility treatment at select partner clinics. Fill out a form to see your lending options and choose from 24-84-month loan options with annual percentage rates (APRs) starting at 3.99%.

FutureFamily

FutureFamily offers IVF loans (including egg donation), and they handle paying all your bills so you have just one easy payment. Loans start at $150/month* for 60 months based on your clinic, credit score, and approved infertility-related expenses. While you can apply individually, the rates are better (0% APR) if you are freezing with one of their partner clinics.

Lending Club 

Lending Club offers infertility loans that cover things like genetic testing, medications, and medical procedures at select partner clinics. They forward payment directly to the providers within three business days. Monthly payments are as low as $263/month to finance $15,000 with a 7.99% APR for 72 months.

Personal loans

Personal loans can be an option to finance the cost of egg donation, but they often come with high-interest rates and fees. It's essential to compare multiple loan options, understand the terms and conditions, and consider the long-term impact of taking on debt.

Other ways to save

Tax credits

The IRS offers a tax credit of up to $13,360 for qualifying expenses related to infertility treatments, including egg donation. This credit can significantly reduce the cost of using an egg donor, but it's important to consult with a tax professional to ensure that you qualify and understand the application process.

Infertility grants

In addition to financing the process with a loan, you may want to consider applying for infertility grants. There are many programs out there with shared goals of making family-building dreams come true. We also recommend checking out your state’s mandated fertility insurance coverage to see what you may be entitled to. 

What to know about taking out a loan

When taking out a loan, you’ll want to understand the terms and conditions of the loan, as well as the responsibilities that come with borrowing a large sum of money. A lot of the websites listed above will have online calculators to help you get a sense for the terms and fees you can expect. 

Loan amount: Consider how much you want to finance and whether they finance that amount. You could finance part, or all, of the egg freezing expenses. 

Loan terms: Loan terms are the length of time you have to repay the loan, and they can range from a few months to several years. Shorter loan terms generally result in higher monthly payments, while longer loan terms result in lower monthly payments but a higher total cost over the life of the loan.

Interest rates: Interest rates are the fees charged by the lender for borrowing money, and they can have a significant impact on the total cost of the loan. Find out the current interest rate being charged, and if that interest rate will stay the same or change over time. 

Loan fees: Of course, these lending groups need to make money, and they do this through loan fees. Loan fees are the additional charges associated with taking out a loan, including origination fees, application fees, late-payment fees, or prepayment penalties. You can use the annual percentage rate (APR) to compare average yearly fee and interest-rate expenses over the term of the loan. It's important to carefully review all loan fees and to make sure you understand the total cost of the loan.

Repayment options: Repayment options are the ways in which you can pay back the loan, including monthly payments, lump sum payments, or a combination of both.

Loan security: Loan security is the collateral that you provide to the lender to secure the loan, such as a home or a car. If you fail to repay the loan, the lender may take possession of the collateral. If you're taking out a secured loan, it's important to carefully consider the risks and responsibilities associated with putting up collateral.

Finally, if you’re quoted a monthly payment, remember to look beyond the monthly payment.  Think about how long you will pay, and what fees and costs have been added. 

In summary

Infertility loans are a great option to consider when financing your path to parenthood. We’re all about making the family-building process — especially via egg donation — more accessible. Through our platform, we’re able to reduce costs for intended parents and help make sure donors aren’t put between a rock and a hard place. 

How do we do it? With Family by Co, all of the egg donors on our platform give half of their eggs retrieved to intended parents, just like you, and freeze the other half for themselves for free to preserve some of their own fertility for the future. This way, they’re able to give a life-changing gift, but also consider their own ambitions and lifestyle choices. We feel this is significantly more ethical than other donation options out there, and our intended parents love the transparent nature of our platform.

We’re thrilled to continue our mission to make egg donation a more accessible family-building option, while providing an empowering opportunity for women who want to preserve some of their reproductive future. 

Cofertility is a human-first fertility ecosystem rewriting the egg freezing and egg donation experience. Our Family by Co platform serves as a more transparent, ethical egg donor matching platform. We are obsessed with improving the family-building journey — today or in the future — and are in an endless pursuit to make these experiences more positive. Create a free account today!

The cost of fertility treatments can add up quickly, leaving many families wondering if there are any tax deductions available to help offset the expenses. Donor egg IVF, in particular, can be a costly process, and hopeful parents may wonder if they can claim any tax benefits to help alleviate the financial burden. 

In this article, we'll explore whether or not donor egg IVF is tax-deductible and what you need to know to take advantage of any available tax breaks. I will caveat that I am not a tax expert – just an intended parent who has been through this multiple times!

Tax deduction vs tax credit

Let’s start with the basics. Tax deductions and tax credits are often confused, but they have different implications when it comes to your taxes. 

A tax deduction reduces your taxable income, meaning you only pay taxes on the remaining amount. For example, if you have a taxable income of $50,000 and a $5,000 tax deduction, you would only pay taxes on $45,000. You may deduct only the amount of your total medical expenses that exceed 7.5% of your adjusted gross income. 

On the other hand, a tax credit directly reduces the amount of taxes you owe. If you owe $10,000 in taxes and have a $2,000 tax credit, you would only need to pay $8,000 in taxes.

When it comes to donor egg IVF, the Internal Revenue Service (IRS) considers it a medical expense, which means it may be tax-deductible under certain circumstances. However, it's important to consult with a tax professional to determine if you qualify for a deduction and how much you can deduct. Some states offer tax credits for fertility treatments, so be sure to check if your state offers this benefit.

Federal vs state taxes

Federal and state taxes are two separate entities, and the rules for tax deductions or credits are totally different. While the IRS allows for a deduction or credit for certain medical expenses, state tax laws may or may not follow the same guidelines. You’ll need to check with your state's tax department to see if they offer any deductions or credits for fertility treatments, including donor egg IVF. Some states may even have different rules for deductions or credits based on the source of the donor eggs (e.g. fresh vs frozen). It's important to do your research and consult with a tax professional to fully understand the tax implications of using donor eggs for IVF.

Are donor eggs tax-deductible?

For some people - yes. According to the IRS Publication 502, the costs of IVF, including temporary storage of eggs or sperm, and surgery performed to overcome infertility are considered medical care. Since the original wording is vague about donor eggs, the IRS clarified this position in a letter stating that the following are deductible:

• Donor egg agency fee
• Legal fees for the contract between you and the donor
• Medical expenses related to the donor egg retrieval
• Blood tests
• Donor’s expenses including travel fees
• Psychological testing of the egg donor

According to the IRS, deductions are only available for medical care costs associated with a medical inability to have children are tax-deductible.  Courts have narrowly defined infertility as a medical inability to conceive, rejecting arguments based on a person's sexuality or relationship status. For example, in an IRS ruling to a male taxpayer in a same-sex union, the IRS determined that he was not able to deduct IVF costs because the taxpayer did not have a medical condition. 

I am also a board member at the non-profit Resolve, where we are currently promoting the Equal Access to Reproductive Care Act which would rectify the unequal treatment of LGBTQ+ individuals seeking to start a family, by modernizing the federal tax code to allow equal treatment to those using assisted reproductive treatments and surrogacy arrangements regardless of sexual orientation and gender identity.

Is surrogacy tax-deductible?

Surrogacy expenses are generally not tax-deductible. However, intended parents may seek a Private Letter Ruling (PLR) from the IRS to obtain permission to deduct specific expenses related to surrogacy that are not explicitly stated in tax laws. If successful in obtaining a PLR, the entire surrogacy process, including agency fees, could be tax-deductible for the parents.

To request a PLR, you would need to work with a CPA to draft a letter to the IRS outlining the expenses involved in your surrogacy journey. The letter should explain why you are medically unable to conceive and why your situation should qualify as medical care under section 213. The IRS will then respond with a decision, and if granted, you receive a letter to attach to your tax return. The IRS generally completes ruling requests within 60-90 days.

Itemized deduction vs. standard deduction:

When it comes to tax deductions for medical expenses, you can either take the standard deduction or choose to itemize your deductions. The standard deduction is a predetermined amount set by the IRS that reduces the amount of income subject to tax. Itemized deductions, on the other hand, are specific expenses that can be deducted from taxable income, such as medical expenses, charitable contributions, and state and local taxes.

For those considering a tax deduction for donor egg IVF, it is important to note that medical expenses, including fertility treatments, can only be deducted if they exceed a certain percentage of your adjusted gross income (AGI). For the tax year 2021, the threshold for medical expenses is 7.5% of AGI for all taxpayers, regardless of age.

If your total medical expenses for the year exceed this threshold, you can choose to itemize your deductions to claim the excess as a deduction on your tax return. However, if your total itemized deductions do not exceed the standard deduction amount, it may be more beneficial to take the standard deduction instead.

Don’t forget: state tax laws differ from federal tax laws and may have different deduction thresholds or rules for medical expenses. Check your state's tax laws and consult a tax professional for more information.

Tips 

Here are some tips for navigating the tax deduction process for donor egg IVF expenses.

1. Keep accurate records. Keep track of all expenses related to your fertility treatments, including the costs of donor eggs, medication, and any other medical expenses. Make sure to save all receipts and invoices as proof of these expenses.
2. Consult with a tax professional. It's always a good idea to consult with a tax professional to determine the best course of action for your specific situation. They can help you navigate the complex tax laws and ensure that you're taking advantage of all available deductions and credits.
3. Stay organized. Create a system for organizing your tax documents and keep everything in one place. This will make it easier to find the information you need when it's time to file your taxes.
4. File on time. Make sure to file your taxes on time to avoid any penalties or fees. If you're unable to file by the deadline, be sure to file for an extension.
5. Take advantage of online resources. The IRS website offers a variety of resources to help you understand the tax code and file your taxes accurately. There are also many online tax preparation tools that can help you file your taxes quickly and easily.
6. Don't forget state taxes. In addition to federal taxes, you may also be eligible for state tax deductions or credits. Make sure to research the tax laws in your state and take advantage of any available benefits.
7. Stay up to date. Tax laws can change from year to year, so make sure to stay up to date on any changes that may affect your tax situation. This will help ensure that you're taking advantage of all available deductions and credits.

Summing it up

In order for donor egg IVF to be tax-deductible in the United States, it must be deemed medically necessary. This means that the procedure must be recommended by a healthcare provider and must be performed to treat a medical condition. For example, if a woman is unable to conceive naturally due to premature ovarian failure, then donor egg IVF may be deemed medically necessary. But if two men in a same-sex relationship need an egg donor to build their family, the IRS does not view this as tax deductible. 

Additionally, the expenses associated with donor egg IVF must be significant enough to meet the threshold for medical expense deductions. In the United States, this threshold is currently set at 7.5% of a person's adjusted gross income (AGI). This means that if your AGI is $50,000, you can only deduct medical expenses that exceed $3,750.

It's also worth noting that not all expenses associated with donor egg IVF are tax-deductible. It’s best to speak with a tax professional or financial advisor to determine your eligibility for tax-deductible donor egg IVF and to ensure that you are following all necessary procedures for claiming the deduction.

While donor egg IVF offers hope for individuals and couples facing infertility, as well as same-sex couples looking to have children, the significant cost associated with retrieving donor eggs can be a barrier to access for many patients. The increasing demand for donor eggs has highlighted the need to make it more accessible and affordable. 

The good news is that there are ways to lessen the financial burden. This article explores various payment options and financial solutions that can help you navigate the financial challenges of pursuing donor eggs. From financing programs and employer stipends to tax credits, Health Savings Accounts (HSA)/Flexible Spending Accounts (FSA), egg sharing, and grants, we provide a comprehensive analysis of these avenues to make donor eggs more financially attainable.

1. Financing donor eggs

Some fertility clinics offer financing programs that allow you to pay for egg donation services over time, often with little to no interest. These programs can make the cost of egg donation more manageable by breaking it down into smaller, more affordable payments. However, it's essential to understand the terms and conditions of the financing program, including any fees or penalties that may apply.

If you’ve decided you want to go the loan route, you have many options to choose from. There are general lending companies as well as companies that specialize in loans just for fertility treatments.

If you’re pursuing egg donation and are interested in working with us to find your perfect match, we've partnered with Sunfish to offer you fertility financial resources and support throughout your journey. Sunfish offers the most comprehensive marketplace of financial options for IVF, egg freezing, embryo preservations, gestational surrogacy, egg donations, and more, up to $100,000 at industry-low rates. 

Sunfish has also waived their application and membership fees for all intended parents who are working with Cofertility. To take advantage of Cofertility’s infertility loan partnership with Sunfish, click here.

2. Employer stipends and insurance coverage for donor eggs

Some employers recognize the significance of fertility treatments and offer comprehensive benefits that include coverage for donor eggs. Employer-sponsored fertility programs and stipends can significantly reduce the financial burden for individuals pursuing donor eggs. It is crucial for patients to review their insurance policies to determine the extent of coverage for fertility treatments. By understanding the benefits offered by their employers, individuals can maximize their financial resources for this reproductive option.

3. Tax credits and deductions for donor egg IVF

The tax landscape offers potential relief for individuals pursuing donor eggs. Several tax credits and deductions are available for qualifying medical expenses, including fertility treatments. 

In order for donor egg IVF to be tax-deductible in the United States, it must be deemed medically necessary. This means that the procedure must be recommended by a healthcare provider and must be performed to treat a medical condition. For example, if a woman is unable to conceive naturally due to premature ovarian failure, then donor egg IVF may be deemed medically necessary. But if two men in a same-sex relationship need an egg donor to build their family, unfortunately the IRS does not view this as tax deductible. 

Additionally, the expenses associated with donor egg IVF must be significant enough to meet the threshold for medical expense deductions. In the United States, this threshold is currently set at 7.5% of a person's adjusted gross income (AGI). This means that if your AGI is $50,000, you can only deduct medical expenses that exceed $3,750.

It's also worth noting that not all expenses associated with donor egg IVF are tax-deductible. It’s best to speak with a tax professional or financial advisor to determine your eligibility for tax-deductible donor egg IVF and to ensure that you are following all necessary procedures for claiming the deduction.

Read more in Is Egg Donation IVF Tax-Deductible?‍

4. Using health insurance for donor eggs

Across the country, 17 states (and counting!) have laws requiring insurance companies to cover or offer coverage for infertility diagnosis and treatment. 

However, the specifics of these laws vary widely from state to state, and not all necessarily mandate coverage for procedures involving donor eggs. While most laws are vague without any mention of donor eggs, a few specifically require coverage of donor eggs. Let’s look at those:

Delaware 

The DE law states that “in vitro fertilization, including IVF using donor eggs, sperm, or embryos and IVF where the embryo is transferred to a gestational carrier or surrogate must be covered”

Maine 

The ME law states that health plans must cover fertility diagnostics and treatment, without “any limitations on coverage for any fertility services based on an enrollee's use of donor gametes”. However, any nonmedical costs for using donor eggs can be excluded from coverage.

Massachusetts

The MA law requires insurance plans to cover treatment of infertility including donor egg procurement.

New Hampshire

The NH law states that health plans must provide coverage for medically necessary fertility treatment, including “treatments associated with the procurement of donor eggs.”

New Jersey

NJ law requires health plans to provide coverage for four egg retrievals per lifetime, and 

IVF using donor eggs.

Even if your state has infertility coverage laws in place, your specific health plan might not be required to comply, or may have specific qualifications (like being under age 40 or in a heterosexual partnership). Self-insured or self-funded insurance plans are exempt from state law and employers do not have to follow the state insurance laws. Some states also exempt employers under a certain size from having to provide coverage. The best way to find out is to talk to your health plan directly.

Read more in Does Health Insurance Cover Donor Eggs?

5. Using HSA/FSA accounts for donor eggs

HSA/FSA accounts present an opportunity to utilize pre-tax funds for fertility treatments, including the cost of donor eggs. Contributions made to these accounts can be used to cover eligible medical expenses. Patients should be aware of the eligibility criteria, contribution limits, and documentation requirements associated with HSA/FSA accounts to ensure compliance and maximize their use for donor eggs. It’s best to talk with a tax professional to understand which parts of donor egg IVF can be paid for using HSA/FSA.

6. Egg sharing programs

Egg sharing programs, like Cofertility, provide a more affordable and ethical egg donation experience. Instead of cash compensation, an egg donor gets to keep half of the eggs retrieved for her own future use. 

One significant advantage of the egg sharing model is that donors have a personal stake in the outcomes. When donors contribute a portion of their eggs in exchange for their own IVF treatment down the line, they are invested not only in helping intended parents but also in achieving their own fertility goals. This shared interest leads to a greater sense of commitment and dedication from the donors, potentially resulting in higher-quality eggs and improved success rates.

At Cofertility, our program is unique. After meeting with hundreds of intended parents, egg donors, and donor-conceived people, we decided on an egg donation model that we think best serves everyone involved: egg sharing.

Here’s how it works: our unique model empowers women to take control of their own reproductive health while giving you the gift of a lifetime. Our donors aren’t doing it for cash – they keep half the eggs retrieved for their own future use, and donate half to your family.

We aim to be the best egg-sharing program, providing an experience that honors, respects, and uplifts everyone involved. Here’s what sets us apart:

• Human-centered. We didn’t like the status quo in egg donation. So we’re doing things differently, starting with our human-centered matching platform.
• Donor empowerment. Our model empowers donors to preserve their own fertility, while lifting you up on your own journey. It’s a win-win.
• Diversity: We’re proud of the fact that the donors on our platform are as diverse as the intended parents seeking to match with them. We work with intended parents to understand their own cultural values — including regional nuances — in hopes of finding them the perfect match.
• Baby guarantee. We truly want to help you bring your baby home, and we will re-match you for free until that happens.
• Lifetime support: Historically, other egg donation options have treated egg donor matching as a one-and-done experience. Beyond matching, beyond a pregnancy, beyond a birth…we believe in supporting the donor-conceived family for life. Our resources and education provide intended parents with the guidance they need to raise happy, healthy kids and celebrate their origin stories.

We are obsessed with improving the family-building journey — today or in the future — and are in an endless pursuit to make these experiences more positive. Create a free account to get started today!

Read more in Six Reasons Why Egg Sharing is a Better Egg Donation Model for Intended Parents

7. Grants and financial assistance programs

Grants and financial assistance programs specifically designed for fertility treatments can offer significant financial relief to individuals pursuing donor eggs. These programs provide funds to eligible patients based on various criteria such as financial need, medical conditions, or specific demographic considerations. 

You can research and explore available grants and financial assistance programs, carefully review eligibility criteria, and complete the application process diligently to increase their chances of receiving financial support.

• Local grants: You may not have to look too far to find the money you need. Several IVF grants are limited to folks living in very specific geographic regions. At the Starfish Fertility Foundation, for example, one grant is awarded only to uninsured folks living within 50 miles of Nashville, TN. Others are offered through specific clinics. 
• State grants: Time to cast your net a little wider? There are grants out there that cover entire states. In New York, for example, the state’s Department of Health funds grants that are open to residents across the Empire State (provided they use an approved clinic). Other grants come via non-profits that cover care in specific states, and sometimes, you don’t even need to actually be a resident of that state—just willing to travel there for treatment. 
• National grants: These grants come from non-profits located throughout the country. The good news? You don’t have to travel far from home to find fertility help, as the funds can often be used at clinics across the US. The bad news? The competition for national grants is fierce. You’re no longer up against just the folks in your town or state. You’re competing against applicants from everywhere. 
• LGBTQ+ grants: Our partners at GayParentsToBe maintain a list of LGBTQ+ friendly grants for family-building.

The financial cost of donor eggs should not be an insurmountable barrier for individuals and couples seeking fertility treatment. Continued efforts by healthcare providers, policymakers, and advocacy groups (like Resolve!) are necessary to promote equitable access to fertility care and support individuals in their journey toward building a family.

Find an amazing egg donor at Cofertility

At Cofertility, our program is unique. After meeting with hundreds of intended parents, egg donors, and donor-conceived people, we decided on an egg donation model that we think best serves everyone involved: egg sharing. 

Here’s how it works: our unique model empowers women to take control of their own reproductive health while giving you the gift of a lifetime. Our donors aren’t doing it for cash – they keep half the eggs retrieved for their own future use, and donate half to your family.

We aim to be the best egg sharing program, providing an experience that honors, respects, and uplifts everyone involved. Here’s what sets us apart:

• Baby guarantee. We truly want to help you bring your baby home, and we will re-match you for free until that happens.
• Donor empowerment. Our model empowers donors to preserve their own fertility, while lifting you up on your own journey. It’s a win-win.
• Diversity: We’re proud about the fact that the donors on our platform are as diverse as the intended parents seeking to match with them. We work with intended parents to understand their own cultural values — including regional nuances — in hopes of finding them the perfect match.
• Human-centered. We didn’t like the status quo in egg donation. So we’re doing things differently, starting with our human-centered matching platform.
• Lifetime support: Historically, other egg donation options have treated egg donor matching as a one-and-done experience. Beyond matching, beyond a pregnancy, beyond a birth…we believe in supporting the donor-conceived family for life. Our resources and education provide intended parents with the guidance they need to raise happy, healthy kids and celebrate their origin stories.

We are obsessed with improving the family-building journey — today or in the future — and are in an endless pursuit to make these experiences more positive. Create a free account to get started today!

The path to fatherhood is unique and full of individual choices and circumstances, and for gay dads looking to start or expand their families, egg donation can be an essential part of this journey. As you navigate the world of egg donor agencies, myriad questions might arise. Here's a detailed guide with some of the top questions to ask your egg donor agency as a gay dad.

1. Understanding the process

What is the entire egg donation process and timeline?

Understanding the full process from selecting an egg donor to implanting the embryo is crucial. Make sure the agency explains each step, the involved costs, legal aspects, and the expected timeframe.

What experience do you have with gay parents?

Understanding how the agency supports gay dads can provide valuable insights into their experience and capabilities in assisting gay couples.

Can you help me find a clinic?

Partnering with the right clinic is a critical aspect of the journey to fatherhood. Ask the agency if they have affiliations or can provide recommendations for reputable fertility clinics. Their experience and network in the field can guide you to a facility that aligns with your needs, location, and values, ensuring a cohesive and supportive process from start to finish.

2. Choosing an egg donor

What criteria are used to approve your egg donors?

Ask about the screening process, including medical, genetic, AMH, psychological, and background checks. Understanding the agency's criteria will provide you with assurance about the quality and suitability of potential donors.

Can I meet the egg donor?

This question is vital if you want to know more about the donor's personality, motivation, and background. Some agencies allow this, while others may only provide non-identifiable information. (At Cofertility, we do offer virtual match meetings).

Read more in Should I Meet My Potential Egg Donor? 

3. Financial aspects

What are your fees and when are they due?

The entire egg donation process can be expensive, so make sure to ask for a detailed breakdown of all costs, including the agency's fees, legal fees, and any other unexpected expenses. Keep in mind that medical expenses are usually dependent on the clinic you work with and not the egg donation agency. Learn more about Cofertility pricing here. 

What payment plans or financial assistance are available?

If cost is a concern, explore payment options or if they can recommend any available financial assistance programs. At Cofertility, we've partnered with lenders to offer you fertility financial resources. Sunfish offers the most comprehensive marketplace of financial options for egg donor IVF.

How are the donor’s expenses handled?

Do they offer an escrow account to easily facilitate payments related to the donor’s egg retrieval? 

What if I want to do two cycles?

Is there a reduced cost for a second cycle? At Cofertility, the answer is yes. 

4. Legalities and contracts

What legal agreements are required?

Understanding the legal landscape of egg donation is paramount. Inquire about necessary contracts and whether legal consultation is provided or recommended.

What happens if the donor withdraws or can't proceed?

Make sure you understand the contingencies if the chosen donor is unable to proceed.

Do you offer a baby guarantee?

What happens if the egg donor cycle does not lead to a baby? Will the agency help match you again? (At Cofertility, the answer is YES). 

If the donor is out of state, do I need to switch clinics to one near her?

Some agencies, like ours, make matches nationwide. You’ll want to know how that works if you already have an existing clinic. If you match with one of our donors, we’ll work with both parties to determine the best place to conduct her testing, monitoring, and retrieval. In some cases, we will complete the donor’s testing and monitoring at a clinic close to her home to eliminate travel and can have the eggs shipped to your clinic. In other cases, donors will travel to your clinic for the retrieval.

5. Other important details

How does your agency support the donor?

Understanding how the egg donor is supported throughout the process is a reflection of the agency's professionalism and care. Ask about the educational, medical, and emotional support provided to the donors, including counseling, support, and follow-up care. This question ensures that you align with an agency that respects and takes proper care of all parties involved in this deeply personal process.

What emotional support is available?

The journey to parenthood through egg donation can be emotionally taxing. Ask about available counseling or support groups that are sensitive to the unique needs of gay dads.

What are the agency's ethical policies?

Understanding the agency's stance on ethical issues, such as compensation for donors, informed consent, and privacy, is crucial. 

Are you part of SEEDS or any other industry organizations?

SEEDS is a nonprofit organization founded by a group of egg donation and surrogacy agencies, whose purpose is to define and promote ethical behavior by all parties involved in third party reproduction. Cofertility is a proud member.

Choosing to create a family through egg donation is a beautiful journey, and as a gay dad, you may face unique questions and considerations. The above guide can help you navigate the sometimes complex world of egg donation, but remember, these questions are just a starting point.

Every family's journey is different, and you may have concerns specific to your situation. Don't hesitate to ask those questions, too. Open communication with your chosen agency is vital in ensuring that they can meet your individual needs and expectations.

As you embark on this incredible journey to fatherhood, arm yourself with knowledge, seek support where needed, and trust in the professionals guiding your path. The road may be complex, but the joy of holding your child in your arms is a destination that promises to make the entire journey worthwhile.

Remember, becoming a parent is not just about genetics; it's about love, commitment, and the capacity to provide a nurturing environment. Your decision to explore egg donation is a significant step toward fulfilling your dream of fatherhood, and asking the right questions will help you make informed and confident choices along the way.

Find an amazing egg donor at Cofertility

At Cofertility, our program is unique. After meeting with hundreds of intended parents, egg donors, and donor-conceived people, we decided on an egg donation model that we think best serves everyone involved: egg sharing.

Here’s how it works: our unique model empowers women to take control of their own reproductive health while giving you the gift of a lifetime. Our donors aren’t doing it for cash – they keep half the eggs retrieved for their own future use, and donate half to your family.

We aim to be the best egg sharing program, providing an experience that honors, respects, and uplifts everyone involved. Here’s what sets us apart:

• Human-centered. We didn’t like the status quo in egg donation. So we’re doing things differently, starting with our human-centered matching platform.
• Donor empowerment. Our model empowers donors to preserve their own fertility, while lifting you up on your own journey. It’s a win-win.
• Diversity: We’re proud about the fact that the donors on our platform are as diverse as the intended parents seeking to match with them. We work with intended parents to understand their own cultural values — including regional nuances — in hopes of finding them the perfect match.
• Baby guarantee. We truly want to help you bring your baby home, and we will re-match you for free until that happens.
• Lifetime support: Historically, other egg donation options have treated egg donor matching as a one-and-done experience. Beyond matching, beyond a pregnancy, beyond a birth…we believe in supporting the donor-conceived family for life. Our resources and education provide intended parents with the guidance they need to raise happy, healthy kids and celebrate their origin stories.

We are obsessed with improving the family-building journey — today or in the future — and are in an endless pursuit to make these experiences more positive. Create a free account to get started today!

Reproductive technology has opened up new horizons for individuals and couples hoping to bring new life into their world. Among these opportunities, the use of donor eggs stands as a beacon of hope for many. 

However, the reality of this life-changing treatment is often met with a stark reminder of its costs. Enter the landscape of employee benefits platforms - innovative companies that have stepped forward to revolutionize coverage for fertility treatments. But which ones cover donor eggs? In this article, we’ll provide insight into their services.

Carrot

Carrot takes a flexible approach to fertility benefits, allowing employers to customize coverage based on their budget and employees' needs. Carrot’s model is based on reimbursing members for care, with the overall budget set by the employer. As such, its comprehensive platform typically covers a range of fertility services, including donor egg treatments. Cofertility is also a preferred partner within Carrot’s network and all Carrot members will receive a discount off the Cofertility Coordination Fee. If you have Carrot benefits, reach out to our team to learn more!

Progyny

The largest benefits platform known for its patient-centric model, Progyny offers a comprehensive fertility benefits plan which can include coverage for donor egg treatments. Their Smart Cycle policy provides flexible coverage units that can be used across different treatment types, including IVF with donor eggs. The number of Smart Cycles as well as the specific treatment types covered varies by employer. For example: among those plans that do cover donor cycles, some exclusively cover frozen donor egg cycles, some cover fresh donor egg cycles, and some cover both. 

Win Fertility

Win Fertility partners with employers to offer fertility benefits, including personalized treatment management. Its coverage is comprehensive, typically encompassing a range of fertility treatments. Employers who partner with Win Fertility have the option to include donor egg treatments in their coverage plans.

Maven

Maven's platform offers a holistic approach to family benefits, encompassing fertility, maternity, and pediatrics. While its fertility coverage is extensive, whether or not it includes donor egg treatments may depend on the specific plan chosen by your employer.

Kindbody

Kindbody offers fertility benefits tied to Kindbody and other partner clinics. They take a similar approach to Progyny with “KindCycle” units that can be used across treatments, including IVF with donor eggs. 

Cleo

Cleo's strength lies in its integrated support system for families across reproductive health, fertility, and parenting. While they don’t offer direct fertility coverage, they provide on-demand support, personalized support plans, and research and expert-based answers to a variety of family-building questions, including donor egg IVF. 

Identifying donor egg coverage in your benefits program

As you can see from the descriptions above, whether or not your benefits program includes donor eggs has more to do with your employer than the platform. Most platforms have the ability to include donor eggs, but not all employers are willing to cover that cost.  

Understanding the specifics of your benefits program can be a daunting task, given the complex nature of health insurance policies and benefits packages. Here’s how to determine if your program includes donor egg coverage:

1. Start by thoroughly reviewing your benefits information. This is usually outlined in a document or an online portal provided by your employer or benefits provider. Look for sections that talk about 'fertility treatments', 'reproductive health', or 'family planning'. You might find explicit mention of egg donation or donor IVF.
2. If your benefits documentation is not clear or you have difficulty understanding the language used, do not hesitate to reach out to your benefits provider or HR department directly. They can provide clarity and guidance on what exactly is covered under your plan.
3. If applicable, take advantage of other employer-provided resources that can help you navigate your benefits. Benefit Bump and BenefitFocus are two companies that employers engage to help you understand your coverage and how to best use your available benefits. 
4. When inquiring about your coverage, be sure to ask direct and specific questions. For instance, "Does my plan cover the cost of donor eggs?" or "Is IVF with donor eggs included in my fertility benefits?" The more specific you are, the more accurate the information you'll receive.

Remember, benefits plans can change from year to year, so make sure to review your plan annually during the open enrollment period. Keep abreast of any changes or additions to your benefits, especially if you're considering fertility treatments using donor eggs.

Summing it up

While donor egg coverage specifics can depend on the individual plans chosen by employers, the trend is leaning towards a more inclusive approach, reflecting an increased understanding and empathy towards diverse fertility journeys.

Understanding your benefits program and whether it covers donor egg treatments is crucial in planning your fertility journey. Don't hesitate to seek assistance from professionals or directly ask your benefits provider to clarify your coverage. Being proactive about understanding your benefits will help you make informed decisions about your reproductive health.

Cofertility can help!

We started this company with the vision of serving all families, regardless of what brought them here. And we promise to provide you with the care we would want for our families. With our commitment to transparency, inclusivity, and innovation, we are striving to be the best in the industry.

Our unique egg sharing model empowers donors and enables families to find the perfect egg donor match quickly and easily, setting a new standard for excellence in our field. Whether you are just getting educated on egg donation or ready to move forward, we want to help you achieve your goals and build the family of your dreams.

Create a free account to get started today!

If you’re considering using donor eggs to grow your family, oftentimes, the associated costs can be a significant financial burden. In this comprehensive guide, we delve into the question of whether Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) can be utilized to pay for donor eggs. We also explore other financing options available to individuals seeking fertility treatments. 

The TLDR: you can use your HSA or FSA towards some (but not all) expenses related to donor egg cycles, and if you’re part of the LGBTQ+ community, you may unfortunately face a harder time getting reimbursed, given what the IRS defines as “medical necessary”. 

Let’s dive into the details. 

How HSAs and FSAs work

First, it’s important to have a fundamental understanding of how HSAs and FSAs work. These are both valuable financial tools that allow you to allocate pre-tax dollars toward qualified medical expenses, and can help reduce the burden of healthcare costs and out-of-pocket expenses.

To maximize the benefits of HSA and FSA accounts, it is important to understand eligibility criteria and contribution limits set by the IRS. These guidelines ensure compliance and provide you with an opportunity to save for future healthcare expenses. 

While HSAs and FSAs serve a similar purpose, there’s actually some nuance to it. their differences to make an informed decision about which one best suits your needs. Let's delve into the specifics of each type of account, and how it relates to donor eggs.

Health Savings Accounts (HSAs)

To be eligible for an HSA, you must be enrolled in a high-deductible health plan (HDHP). Here's what you need to know about HSAs:

• Pre-tax contributions: Contributions to an HSA are made with pre-tax dollars, which means the money is deducted from your paycheck before taxes are calculated. This offers an immediate tax benefit by reducing your taxable income.
• Tax-free growth: Any contributions made to your HSA can grow tax-free through investment opportunities. This allows your HSA funds to accumulate over time and be used for future medical expenses.
• Portability: HSAs are portable, meaning you can take the account with you even if you change jobs or health insurance plans. The funds in your HSA remain available for qualified medical expenses, regardless of your employment status.
• Contribution limits: The IRS sets annual contribution limits for HSAs, which may change each year. For 2024, the contribution limit for an individual is $4,150, while for a family, it's $8,300. Individuals aged 55 or older can make additional catch-up contributions.

Flexible Spending Accounts (FSAs)

FSAs are another tax-advantaged option for healthcare expenses. Unlike HSAs, FSAs are typically offered through employers. Here are the key aspects of FSAs to consider:

Pre-tax contributions

Like HSAs, contributions to an FSA are made with pre-tax dollars, resulting in a reduction in your taxable income. However, unlike HSAs, there is no requirement for enrollment in a high-deductible health plan.

Use-it-or-lose-it rule

FSAs operate under a “use-it-or-lose-it” rule, which means any funds contributed to the account must be used within the plan year or within a limited grace period. However, some employers offer a carryover option or a grace period to allow some unused funds to be carried forward.

Employer control

FSAs are typically established and managed by employers. The employer determines the contribution limit and plan rules, such as eligible expenses and rollover options. It's important to review your employer's FSA plan details to understand its specific features.

Contribution limits

The IRS sets annual contribution limits for FSAs as well. For 2024, the maximum contribution limit is $3,200 per individual. However, employers may set lower limits, so it's essential to check with your employer for their specific FSA contribution limit.

Using HSAs and FSAs for donor eggs

HSA and FSA accounts can potentially be used to pay for donor eggs. When utilizing these accounts for payment, you’ll need to obtain detailed receipts from whatever party you are working with to match with an egg donor (be it an agency, egg bank, or matching platform like ours). This receipt can then be submitted to your HSA or FSA plan administrator for reimbursement, ensuring that the process is in compliance with the account guidelines. Better yet, discuss with them upfront what the pricing breakdown looks like so you know what expenses are involved ahead of time. 

HSA and FSA eligibility for donor eggs

While HSA and FSA funds can generally be used for eligible medical expenses related to egg donation, depending on your unique expenses, it’s not outside the realm of possibility that something might not be covered. To be 100% sure, we recommend discussing with a tax professional or your company’s specific plan administrator which expenses are eligible for reimbursement.

LGBTQ+ considerations for HSAs and FSAs

The IRS guidelines and regulations governing eligible medical expenses are periodically updated to accommodate the changing landscape of fertility treatments. And when it comes to tax deductions, benefits, and credits in general, LGBTQ+ individuals may be impacted by the IRS’ specific wording around eligible expenses. 

If you are part of the LGBTQ+ community, we recommend speaking to a tax professional to find out what may apply to you — at least until the Equal Access to Reproductive Care Act gets passed and modernizes federal tax codes to be more inclusive. 

IRS guidelines and equal treatment

The Internal Revenue Service (IRS) has provided guidance to ensure that same-sex couples have equal access to the benefits and rights associated with HSA/FSA accounts. According to the IRS, same-sex couples who are legally married or in registered domestic partnerships are eligible to establish and contribute to an HSA or FSA, just like opposite-sex couples.

Qualified medical expenses and donor eggs

However, the IRS defines “qualified medical expenses” as those incurred for the diagnosis, treatment, or prevention of a medical condition. While specific guidance regarding the eligibility of donor eggs for HSA/FSA reimbursement is not explicitly stated, the expenses related to fertility treatments, including donor eggs, may be eligible if you meet the criteria for qualified medical expenses. However, with courts narrowly defining infertility as a medical inability to conceive, this unfortunately limits many LGBTQ+ couples. 

Documenting eligible expenses

To ensure compliance and facilitate potential reimbursement, it is crucial to maintain proper documentation of your medical expenses. This includes obtaining detailed receipts and documentation of every related expense. 

Maximizing HSA and FSA benefits for donor eggs

Strategic planning can help you maximize the benefits of using HSA and/or FSA funds for donor eggs. Understanding the timing of fund availability and expenses is important. Some people choose to utilize their funds earlier in the year, while others may find it advantageous to wait until the end of the year.

In addition to timing considerations, HSA and FSA accounts offer potential tax advantages and savings. The contributions made to these accounts are typically tax-free, and qualified withdrawals for eligible medical expenses are also tax-free. By understanding and leveraging these benefits, you can optimize you financial resources for fertility treatments.

Other financing options for donor eggs

Beyond HSAs and FSAs, there are other avenues to explore when seeking financial support for donor eggs. Insurance coverage for donor eggs varies depending on individual plans and policies, making it crucial to research and discuss potential coverage options with insurance providers.

Tax deductions may also be available for certain fertility treatments, including those involving donor eggs. Consulting with a tax professional can help determine eligibility criteria and potential deductions, providing individuals with further financial relief.

Additionally, there are grants, scholarships, and financial assistance programs specifically designed to support individuals undergoing fertility treatments. Researching and applying for those programs can offer additional avenues of financial assistance to those pursuing the dream of building a family through donor eggs.

At Cofertility, we understand the financial challenges individuals and couples face when pursuing fertility treatments, especially the use of donor eggs. To make the journey more accessible, we work with financing partners that can help alleviate the financial burden. While we do charge a coordination fee, we’re committed to accessibility and improving the family building process for all. To learn more about how we can help you grow your family via egg donation, create a free account to get started.

Costs of donor eggs with Cofertility

Our goal is to provide a family building experience that’s as human-centered and transparent as possible. As such, you can find a full breakdown of all costs involved with a donor egg journey through Cofertility, right here on our website. 

Here’s how our unique egg sharing model works: rather than compensate a donor with cash, we empower women to take control of their own reproductive health while giving you the gift of a lifetime. Through our program, egg donors keep half of the eggs retrieved for their own future use, and donate the other half to your family. Because our donors aren’t paid in exorbitant cash lump sums, our structure helps lower costs for intended parents. It also means that the women in our program are truly incredible — and especially motivated to successfully help grow your family. Our model honors everyone involved: the intended parents, the donor, and ultimately, donor-conceived children.

When you work with Cofertility, your Member Advocate will be sure to provide itemized receipts and necessary paperwork that you may need to submit to your HSA or FSA plan. 

Financial help can be out there

The journey to parenthood through donor eggs may present financial challenges, but with careful planning, research, and exploration of available resources, it may be possible to find the support you need. We’re here sending luck (and a helping hand) your way.

For many international intended parents, working with an American egg donor offers a path to parenthood that combines high medical standards, a diverse donor pool, and well-established legal protections. If you're considering this route, you're not alone. The United States has become a popular destination for international intended parents seeking egg donation services, thanks to its advanced reproductive technologies and comprehensive donor screening processes.

In this article, we'll explore the advantages of working with American egg donors and guide you through the process as an international intended parent. We'll cover everything from matching with a donor to understanding additional considerations unique to your situation.

Advantages of working with an American egg donor agency

Choosing to work with an American egg donor comes with several benefits:

1. High medical standards: The U.S. has some of the world's most advanced fertility clinics and stringent medical regulations, ensuring high-quality care throughout the process.
2. Diverse donor pool: America's large and multicultural population means you're more likely to find a donor who matches your family, whether that's in terms of ethnicity or personality. 
3. Comprehensive screening: U.S. agencies like Cofertility typically conduct thorough genetic and medical screenings of potential donors, providing you with detailed health information.
4. Legal protections: The U.S. has well-established legal processes for egg donation, offering clear protections for all parties involved.

Understanding the process

Timeline: The egg donation process can take several months from start to finish. This includes time for matching with a donor, medical screenings, legal processes, and the actual medical procedures.

Matching with a Cofertility donor: At Cofertility, we offer two primary options for egg donation: fresh egg donation and frozen egg donation.

Fresh cycle donation: If you match with a donor who is undergoing a  fresh cycle, you'll need to work with a U.S.-based fertility clinic. While you don't have to reside in the U.S., you'll need to establish care with the clinic and provide a sperm sample, which may require an in-person visit. Cofertility can help you select a clinic in a city you're likely to visit or where your chosen donor is based, minimizing travel for all parties.

Frozen egg donation: If you match with a donor whose eggs are already frozen, her retrieval would have taken place in the US but these eggs may be able to be  shipped to your home clinic, potentially eliminating the need for you to travel to the U.S. Note that countries have varying laws around accepting frozen eggs - we share more on this below.

All Cofertility donors undergo comprehensive medical clearance before donation, and our services come with our Baby Guarantee, providing additional peace of mind for intended parents.

Disclosed vs. undisclosed relationships: You'll have the option to choose the type of donor relationship that works best for your family.  In a disclosed arrangement, you and the donor may share identifying information and potentially maintain contact. An undisclosed arrangement means that there are no names or contact information exchanged  between the two parties.

Parentage and citizenship considerations

While we can't provide specific legal advice, it's important to consult with a lawyer experienced in international reproductive law. They can guide you on issues of legal parentage and potential citizenship considerations for your child, especially if you're also working with a surrogate.

Laws vary significantly between countries, and it's essential to understand how your home country's laws interact with U.S. laws regarding egg donation and parentage. Some countries may require additional steps to recognize you as the legal parent or to grant citizenship to a child born through egg donation.

Shipping eggs or embryos abroad

If you're planning to use the donated eggs or resulting embryos in your home country, you'll need to consider the logistics and legalities of international shipping.

Eggs and embryos are routinely shipped internationally. They can survive in specially designed tanks for over a week, making intercontinental transport feasible. You’ll want to work with a reputable shipping company that specializes in transporting genetic material. These companies understand the delicate nature of the cargo and the strict temperature controls required.

The ability to import eggs or embryos varies by country. Some nations have strict regulations or even prohibitions on importing genetic material. For instance, countries like India and Turkey require special permission from their respective Ministries of Health to import genetic materials. Research your country's specific laws or consult with a local fertility clinic familiar with international cases.

You’ll also want to ensure that your home clinic is equipped to receive and work with shipped eggs or embryos. They should have experience with international cases and be familiar with the protocols for handling shipped genetic material.

How much does it cost to match with a U.S.-based egg donor?

Working with an American egg donor may involve higher costs compared to some other countries. However, many intended parents find the advantages outweigh the additional expense. Be prepared for:

• Agency fees
• Medical procedure costs
• Legal fees
• Potential travel expenses
• International shipping costs (if applicable)
• Donor compensation (with everyone except Cofertility!)

If you work with Cofertility, you won’t have to pay donor compensation. Our unique egg sharing model means donors aren’t doing it for cash – they keep half the eggs retrieved for their own future use, and donate half to your family. This empowers egg donors to take control of their own reproductive health while giving you the gift of a lifetime.

Visit our pricing page to learn more about costs. 

Summing it up

Working with an American egg donor as an international intended parent offers many advantages, from high medical standards to a more diverse donor pool. While the process involves unique considerations around legal issues, logistics, and cultural differences, with proper planning and support, it can be a rewarding path to parenthood.

At Cofertility, we're committed to supporting international intended parents throughout their journey. Our team understands the unique challenges you face and is here to provide guidance, support, and access to our thoroughly screened egg donors.

Remember, every family-building journey is unique. By choosing to work with an American egg donor, you're taking a significant step towards realizing your dreams of parenthood. With careful planning, open communication, and the right support team, you can navigate this process successfully, no matter where in the world you call home.

If you’re exploring fertility treatments involving donor eggs, you know how daunting the costs can be. But, some good news: if you qualify, grants are available to help families access fertility care — with some grants including treatments using donor eggs. Whether you’re considering donor eggs because you’re navigating infertility, part of a same-sex couple, or a cancer survivor, these grants can ease the financial burden and hopefully bring you closer to parenthood.

In addition to grants, you might want to consider alternatives to the traditional egg donation model, which often relies on high cash compensation for donors and results in significant costs for intended parents. Programs like Cofertility’s Split model offer a more human and ethical approach to donor egg IVF. With this option, intended parents can match with a woman freezing her eggs for her own future use and donates half of the mature eggs retrieved to a family who can’t conceive. This model is more economical, fosters a sense of shared humanity, and shifts away from the transactional nature of traditional egg donation. Learn more about egg sharing here.

Below, we’ve compiled a list of donor egg grants and financial assistance programs to help fund your donor egg journey. We also take a closer look at how programs like our Split model can further reduce costs and create a better experience for everyone.

1. Baby Quest Foundation Grant

The BabyQuest Foundation provides nationwide financial assistance for fertility treatments, including donor egg IVF, with an emphasis on diverse family types and significant financial need.

• Amount provided: Varies; typically ranges from $2,000 to $16,000.
• Type of assistance: Financial assistance for procedures, not direct cash to the grant recipient. Funds are paid to the clinic or service provider.
• Application process: Applications are accepted year-round, but there are specific deadlines for each cycle (typically every 3-4 months). Applicants must submit an online form with detailed personal, medical, and financial information, along with a $50 application fee.
• Eligibility criteria: Open to U.S. citizens regardless of marital status or sexual orientation. Applicants must demonstrate financial need and provide proof of medical necessity for fertility treatments.

Learn more about Baby Quest here. 

2. Tinina Q. Cade Foundation Family Building Grant

The Cade Foundation offers grants to support infertility treatments — including donor eggs — prioritizing applicants with compelling stories and demonstrated financial challenges.

• Amount provided: Up to $10,000 per family.
• Type of assistance: Funds are awarded directly to clinics to cover treatment costs.
• Application process: Annual application window (typically opens in the spring and closes in the summer). Requires a personal statement, medical history, proof of financial need, and a $50 application fee.
• Eligibility criteria: Applicants must be U.S. citizens or legal residents. Open to single individuals and couples; donor egg treatments are eligible.

Learn more about the Cade Foundation here. 

3. The Gay Parenting Assistance Program (GPAP) by Men Having Babies

Men Having Babies’ GPAP program provides significant financial assistance to same-sex male couples pursuing parenthood through surrogacy and donor egg IVF.

• Amount provided: Varies; includes free services, discounted rates, and direct financial aid.
• Type of assistance: A combination of cash grants, discounts from participating clinics, and donated services.
• Application process: Applications are accepted year-round in two stages. Stage I provides access to discounts and pro bono services, while Stage II offers grants and financial aid based on need. Applicants must complete an online application, provide financial documentation, and submit a personal statement.
• Eligibility criteria: Open to gay couples and individuals pursuing surrogacy and egg donation. Applicants must demonstrate financial need and readiness for parenthood.

Learn more about Men Having Babies’ GPAP here.

4. Gift of Parenthood Family Grant

Awards grants quarterly for global applicants, focusing on broad inclusivity and addressing the emotional narratives of intended parents.

• Amount provided: Up to $10,000.
• Type of assistance: Financial support paid directly to the fertility clinic or provider.
• Application process: Grants are awarded quarterly, and applications are accepted year-round. Applicants must submit a written application, including financial and medical documentation, and pay a $25 fee.
• Eligibility criteria: Open to individuals and couples globally. Preference is given to those demonstrating financial need and a compelling story.

Learn more about the Gift of Parenthood Family Grant here.

5. Hope for Fertility Foundation Grant

Hope for Fertility provides annual grants to U.S. residents facing infertility, emphasizing financial barriers and medical need for treatments like donor egg IVF.

• Amount provided: Typically $2,000–$5,000.
• Type of assistance: Financial assistance is paid directly to the fertility clinic.
• Application process: Applications are accepted annually, typically between January and March. Applicants must complete an online form, provide medical documentation, and pay a $50 fee.
• Eligibility criteria: Must be a U.S. citizen or legal resident and demonstrate financial need. Open to heterosexual and same-sex couples, as well as single parents.

Learn more about the Hope for Fertility Foundation here.

6. Journey to Parenthood Grant

The Journey to Parenthood Grant offers annual grants to help families offset the high costs of fertility treatments or adoption, with a straightforward application process.

• Amount provided: Varies; up to $10,000.
• Type of assistance: Funds are provided directly to the fertility clinic or provider.
• Application process: Annual application cycle (typically open from spring to early summer). Applicants must submit an online form, medical history, and proof of financial need.
• Eligibility criteria: Open to U.S. residents facing infertility or needing assistance to grow their family. Same-sex couples and single parents are eligible.

Learn more about Journey to Parenthood here. 

7. The SAM Fund Family Building Grant

For cancer survivors whose treatment has resulted in infertility, The SAM Fund offers grants that can be used for fertility treatment, including donor eggs.

• Amount provided: Varies; typically up to $4,000.
• Type of assistance: Financial support for fertility-related expenses.
• Application process: Applications open annually in the fall. Applicants must provide documentation of cancer treatment and financial need.
• Eligibility criteria: Open to U.S. residents under age 45 who are cancer survivors and face financial barriers to fertility treatments.

Learn more about The SAM Fund Family Building Grant here.

8. BIVF Foundation Financial Assistance Grant

The BIVF Foundation offers financial assistance to those in Maine, Massachusetts, New Hampshire, and Rhode Island who are undergoing fertility treatments, including donor egg IVF.

• Amount provided: Up to $10,000 in cash support for eligible family-building care.
• Type of assistance: Financial support paid directly to the fertility clinic or service provider.
• Application process: Applications are accepted annually. Applicants must submit an online application, including personal statements, medical documentation, and proof of financial need.
• Eligibility criteria: Applicants must reside in Maine, Massachusetts, New Hampshire, or Rhode Island, have an annual household income of less than $200,000, and demonstrate a lack of fertility or family-building insurance coverage. There are also age restrictions. 

Learn more about the BIVF Foundation and its grants here.

9. Nest Egg Foundation Grant

This grant supports IVF treatments — including donor eggs — for Connecticut and New York residents. 

• Amount provided: Covers up to 50% of the cost of a single IVF cycle (including egg donation) at participating clinics.
• Type of assistance: Subsidized fertility treatment.
• Application process: Applications are accepted year-round. Applicants must submit an online form with financial and medical documentation.
• Eligibility criteria: Must reside in Connecticut or New York. Applicants must demonstrate financial need and have medical proof of infertility.

Learn more about the Nest Egg Foundation here.

10. Parental Hope Family Grant

Parental Hope offers grants to individuals and couples undergoing fertility treatments, including those involving donor eggs.

• Amount provided: The grant covers the full cost of treatment, including IVF and donor egg procedures.
• Type of assistance: Financial support paid directly to the Institute for Reproductive Health in Cincinnati, Ohio — which is where granted treatment would take place and recipients would need to travel. Note that while this grant may cover an egg donor cycle, it does not include donor fees or medication.
• Application process: Applications are accepted annually. Applicants must submit a comprehensive application, including personal statements, medical documentation, and proof of financial need.
• Eligibility criteria: Applicants must have a diagnosis of infertility from their doctor and be legal, permanent U.S. residents.

Learn more about Parental Hope Family Grant here.

Summing up the savings

Navigating the high costs of donor egg treatments doesn’t have to feel insurmountable. By combining grants with innovative solutions like our Split model, you can reduce financial barriers while participating in a more human and ethical process. Explore grants (be sure to double-check deadlines and requirements!), apply widely, and cross those fingers. 

We also recommend checking out RESOLVE: The National Infertility Association for more on financial assistance for fertility treatment and Fertility Within Reach for guidance on insurance coverage. 

Lastly, please reach out if we can be of service. Cofertility offers discounted rates for active military members and cancer survivors. Additionally, we've partnered with lenders to offer you fertility financial resources. Sunfish offers the most comprehensive marketplace of financial options for IVF, egg freezing, embryo preservations, gestational surrogacy, egg donations, and more, up to $100,000 at industry-low rates. For more information, click the link above.

 We wish you all the best!