How to Pay for Egg Freezing

Egg freezing (oocyte cryopreservation) is an increasingly popular option for women who want to preserve their fertility and take control of their future. Whether you’re focusing on your career, waiting for the right partner, or managing a health condition, egg freezing can provide peace of mind and more flexibility in your family-building journey.

But let’s be honest: the cost of egg freezing can feel overwhelming. In fact, when we surveyed over 750 women about egg freezing, 67% said cost was their biggest barrier. That’s why we created Cofertility, and our Split program—to make egg freezing more accessible and affordable for everyone.

In this guide, we’ll walk you through the most common ways to pay for egg freezing, from employer benefits and financing options to our unique egg sharing program, where eligible women can freeze their eggs for free by donating half to a family in need. Whether you’re just starting to explore your options or you’re ready to take the next step, we’re here to help you navigate egg freezing with confidence.

First off, how much does it cost to freeze your eggs?

This is always a difficult question to answer because it depends! It depends on the clinic you’re going to, where you are located, the medications you are prescribed (it differs based on your age and body), and where/how long you store the eggs. Average egg freezing cycle costs range from $10,000 - $20,000, plus annual storage. 

How can I pay for egg freezing?

If you want to freeze your eggs and research all your options for paying for it, here are the main buckets of options.

Health insurance

Unfortunately, very few insurance plans today cover the cost of egg freezing unless it is medically necessary. For example, if you have a medical condition that may impact your fertility, such as cancer, your insurance may cover the cost of egg freezing as part of your cancer treatment. Check with your insurance provider to see if they cover egg freezing and what the requirements are.

Employer benefits

If you’re lucky enough to work at one of an employer like Facebook, Google, LinkedIn, or Spotify, egg freezing may be covered. Check out the list of employers that offer egg freezing here. 

Flexible spending account (FSA) or health savings account (HSA)

If your insurance doesn't cover egg freezing, you may be able to use pre-tax dollars from your FSA or HSA to pay for the procedure and medications. These accounts allow you to set aside a certain amount of money each year to pay for eligible medical expenses, including egg freezing.

Donate half your eggs (aka egg sharing)

At Cofertility, our Freeze by Co Split program allows you to freeze and store your eggs *entirely for free* for 10 years, when you give half to a family who can't otherwise conceive.

Financing

There are a growing number of financing options, such as loans or payment plans, to help patients pay for egg freezing. These options allow you to spread the cost of the procedure over several months, making it more manageable. 

Top egg freezing financing companies

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. 

Ally
Ally offers fertility financing solutions to cover the cost of egg freezing.
Offering: 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 egg freezing loans, and they handle paying all your bills so you have just one easy payment.
Offering: Starts at $150/month* for 60 months based on your clinic, credit score, and approved egg freezing related expenses.

Lending Club 
Lending Club offers egg freezing loans that cover genetic testing, medications, and the medical procedure. They forward payment directly to the providers within three business days.
Offering: Monthly payments as low as $263/month to finance $15,000 with a 7.99% APR for 72 months.

Sunfish
‍Sunfish makes parenthood attainable for all types of families. Sunfish helps aspiring parents explore low-interest loans and financial planning tools.
Offering: Low-interest loans or lines of credit of up to $100,000, with terms ranging from two to 15 years.

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 the 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. 

Other ways to pay for egg freezing

Credit cards

Of course, if you have a high limit on your credit card, you could always put the cost of the procedure and medications on your credit card, as long as you feel comfortable paying this off. Think of all those points! However, keep in mind that credit cards typically have higher interest rates than personal loans.

Savings

Maybe you’re a high earner and had scholarships to cover college tuition. Or perhaps a family member left you money. If you have the cash in your savings, you can certainly put it towards egg freezing. 

Crowdfunding

Using crowdfunding to pay for medical expenses is an increasingly popular option (thanks US healthcare system!). Crowdfunding is when you ask your friends, family, followers, and even strangers to chip in to pay for your medical expenses – usually through an app like GoFundMe. 

Keep in mind that there is no guarantee of success with a crowdfunding campaign, and you may not be able to raise enough money to cover the cost of egg freezing. 

Summing it up

Egg freezing is a powerful way to take control of your fertility, but the cost can feel overwhelming. The good news? You have options. Whether it’s through employer benefits, financing, or egg sharing programs like Split program, there are ways to make egg freezing more affordable and accessible.

If you’re considering egg freezing, take the time to explore all your options. Research clinics, compare costs, and don’t hesitate to ask questions. And if you’re open to donating half of your eggs, our Split program offers a unique opportunity to freeze your eggs for free while helping another family.

Ready to take the next step? Take our quiz to see if you’re eligible for our Split program.