fertility treatment costs

Today, more than ever, women are choosing to delay parenthood for various reasons, including focusing on career advancement, establishing financial stability, and finding the right partner. To help with this, many are turning to egg freezing, also known as oocyte cryopreservation. Egg freezing has grown in popularity, with a 46% increase in egg freezing cycles from 2020 to 2021 alone! 

If you’re considering egg freezing, you may be wondering: Is egg freezing tax deductible? Let's delve into this topic to provide some much-needed clarity.

The basics of egg freezing

Egg freezing, also known as oocyte cryopreservation, is a procedure where your eggs are extracted, frozen, and stored for later use. Because younger eggs are, on average, healthier, the egg freezing can increase your chances of conceiving a biological child in the future, even as your fertility naturally declines over time.

Despite the positive possibilities it offers, egg freezing is not an inexpensive procedure. The overall cost 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. In the US in 2023, on average, the process can cost anywhere from $10,000 to $20,000 per cycle, not including annual storage fees. Thus, it's only natural for individuals to explore avenues for financial relief, such as tax deductions.

Understanding medical expense deductions

According to the Internal Revenue Service (IRS) in the United States, certain medical expenses are eligible for tax deductions. The IRS's guidelines state that one can deduct medical expenses that exceed 7.5% of one's adjusted gross income for the year. So, if you have a significant amount of qualifying medical expenses in a year, you could potentially benefit from this tax deduction.

Egg freezing and tax deductions

Is egg freezing considered a deductible medical expense? The answer is complex and largely depends on your individual circumstances. As a baseline, the IRS has traditionally considered fertility preservation treatments, like egg freezing, to be tax-deductible only when they are deemed medically necessary. This typically refers to situations where a medical condition or treatment (such as chemotherapy for cancer) could cause infertility.

When it comes to egg freezing for elective, non-medically necessary reasons (such as delaying childbearing for personal reasons), the situation becomes more nuanced. And unfortunately, as of writing this article, the IRS has not issued definitive guidance on whether egg freezing for non-medical reasons qualifies as a tax-deductible medical expense.

Given this ambiguity, if you're considering egg freezing for elective reasons, it's highly recommended to consult with a tax professional. They can provide advice tailored to your specific situation and keep you informed of any changes or updates in tax law.

Employer benefits and HSAs

Another important aspect to consider is employer-provided benefits. Some progressive employers are starting to cover egg freezing as a part of their employee benefits package, in which case the question of tax deduction might be moot.

If you have a Health Savings Account (HSA) or a Flexible Spending Account (FSA), you might be able to use these pre-tax dollars to pay for egg freezing. However, the rules surrounding these accounts are complex and constantly evolving, so you’ll want to check with your plan administrator or a tax professional to ensure that this is a viable option for you.

Freeze your eggs for less – or even for free – with Cofertility

Cofertility is a human-first, tech-enabled fertility ecosystem that provides people agency over if, how, and when they have babies — today or someday. We have two programs for egg freezers:

1. Our Split program offers women a chance to freeze their eggs for free when donating half of the eggs retrieved to a family who cannot otherwise conceive. If you qualify for the program and decide to donate half of your retrieved eggs, every expense associated with the egg freezing procedure —  medications, supplements, travel if necessary, insurance, and 10 years of storage — are completely free of charge. We don’t even need a payment or credit card up front, as the family you match with covers all the expenses.
2. Our self-pay Keep program allows women to freeze their eggs and keep them all for their future use. Through Keep, we offer our members partnerships and discounts to lighten the financial load of egg freezing, as well as access to our member community. An important note: even if you do have insurance or benefits coverage through work, you’re still able to participate in the Keep program. We’ll work with you to make sure all of your care is handled in a way that you remain eligible for the associated benefits. 

The benefits of working with Cofertility include:

• Power of choice: Freeze your eggs more affordably or, if you qualify, freeze for free when you give half to a family who can’t otherwise conceive.
• Community: Our inclusive online spaces allow you to connect with others going through the process in our private online community.
• Compassion: We’ll always treat you with care, and our Split program gives you the opportunity to make someone’s family building dreams a reality.
• Data-driven: We provide you with trustworthy guidance and evidence-based research so you can make informed decisions about your fertility.
• Free egg freezing: Freeze and store your eggs for 10 years, entirely for free if you qualify for our Split program.

Ready to learn about more affordable (even free!) egg freezing with Cofertility? Fill out this quick quiz to learn about our accessible egg freezing options and see if you qualify for our programs — it only takes one minute.

Summing it up

Egg freezing is an empowering choice for those who want to preserve their eggs for future use. However, its high cost can be a barrier. While certain tax deductions may apply for medically necessary procedures, the applicability of tax deductions for elective egg freezing is less clear. You’ll want to seek personalized advice from a tax professional to understand your options fully. 

In the quest to make egg freezing more accessible, every avenue of financial relief counts. As the conversation surrounding egg freezing continues to evolve, so too may the tax implications. It’s an ever-changing landscape that we’ll be keeping a close eye on moving forward. 

Freezing your eggs can be a major expense. With most clinics and egg freezing companies, the cost of freezing your eggs can run between $10,000 - 20,000, including upfront consultation costs and the retrieval process. Once the retrieval is complete, you can expect to pay an additional storage fee, which ranges depending on the clinic or facility. 

We believe the best time to freeze your eggs is when you can least afford it. While we provide more affordable — even free! — egg freezing options, if you do not qualify for our Split program, where you can freeze your eggs for free when you give half to another family who can’t conceive, we’ve still lightened the financial load of egg freezing with partnerships and discounts as part of our Keep program. That said, we always recommend taking a closer look at the fine print of your health insurance policy to see what you’re entitled to.

As of June 2022, there are 20 states in the US that have laws on the books requiring health insurance companies provide some type of coverage for infertility. However, for those looking to be proactive about their fertility and freeze their eggs without an infertility diagnosis, coverage is even more sparse.

In a 2020 study tracking the coverage of employer sponsored fertility benefits, Mercer discovered that just 42 percent of employers with 20,000 or more employees provide coverage for IVF. Unfortunately, those numbers drop significantly for those looking to help offset the cost of proactive egg freezing, with just 19 percent of employers in that same size employee pool providing coverage. 

If you don’t live in a state with mandated fertility coverage (or work for one of the 19 percent of large companies that include egg freezing as part of their benefit package) there are a few things you need to know about how your health insurance policy stacks up when it comes to freezing your eggs. 

Your health insurance may cover some costs

According to the journal Dovepress, the process of freezing your eggs is called vitrification. There are several steps involved in completing the vitrification process. While your insurer may cover parts of this process (like some basic blood work) other parts may require you pay out of pocket (like the cost to store your eggs after they’ve been frozen). 

• Consultations: You will likely have a sit down meeting with your doctor to discuss your fertility plans. If your insurance covers fertility procedures like having your eggs frozen, your insurer may cover these types of visits in full. If they're not covered you may need to foot the bill for a portion of the visit like a co-pay.       
• Blood tests and lab work: You’re going to have to have to undergo a few different types of tests throughout the process of freezing your eggs to monitor important things like the quantity and quality of your eggs (ovarian reserve testing), as well as an  ultrasound of your ovaries (to check their function), and screens that will confirm your overall health (which include a variety of tests including routine lab work like a Complete Blood Count). 
• Medications: Typically your doctor will prescribe synthetic hormones to help manage your ovulation. There are a few different different types of medication used, depending on what stage of the process you're in, including drugs that can help your ovaries produce multiple eggs ahead of the retrieval and ones that will prevent premature ovulation so that you and your medical team can get the timing of your retrieval just right.      
• Retrieval: Once it's time for your egg retrieval, you'll do this on-site as an outpatient procedure where you go home the same day. You'll be under anesthesia for this procedure, requiring the expertise of a few different medical professionals.   
• Storage fees: After your eggs have been successfully retrieved they will need to go into storage. Depending on the type of facility you used for your retrieval, this may be handled by them or taken care of by a third party.

Questions to ask your insurer

To get the best picture of what your insurance covers when you freeze your eggs you should call your benefit hotline to ask a few key coverage questions like: 

• Are all of my medical consultations covered, especially if I meet with a few different facilities before choosing one?
• Do I have to have a diagnosis or preexisting condition to have any portion of freezing my eggs covered?
• How does the coverage for freezing my eggs factor into my lifetime limit for fertility treatment? 
• Does my coverage change depending on whether the retrieval was successful? 
• Will you cover any of the ongoing costs of freezing my eggs (like storage) and is there a time limit on how long that coverage lasts?
• What are my coverage options if I decide to use my eggs later on?

Making freezing your eggs more affordable

Through our Split program, members are able to freeze their eggs for free when they give half to another family in need of donated eggs. This could include LGBTQ+ parents, couples with infertility, or those with other fertility-impacting medical conditions. 

If you’d rather keep all of the eggs from your retrieval, our Keep program still offers a more affordable way of freezing your eggs when your insurance won’t cover the total cost. Depending on where you live, some of the benefits of Keep may include lower medication costs, egg storage fees, and discounted consultations discounts. 

Summing it up

Through most avenues, egg freezing can be pretty cost prohibitive. We’re excited to change this, while supporting reproductive choice for all women and helping intended parents seeking egg donation to help complete their families.  

Deciding to freeze your eggs can do more than put you in the driver’s seat of your reproductive journey. Going through the process of retrieving and freezing your eggs can give you insights into your health, offer you peace of mind about how you’ll accomplish your goals, and allow you to create a blueprint for building the family you’ve always dreamed of.

As you and your doctor work together to ready your eggs for retrieval you’ll end up learning valuable information about the state of your fertility and what you need to know before you’re ready to take the next steps. 

You could get a heads up about certain reproductive concerns

As part of the preparation for freezing your eggs your doctor will likely do ovarian reserve testing which uses a blood test called Anti-Mullierian Hormone (AMH). Using a blood sample collected on the third day of your period your doctor will be also able to see how much estradiol and follicle-stimulating hormones are present during this key window in your reproductive cycle.

AMH levels are generally higher during your childbearing years and then they begin to decline as you head towards menopause, becoming almost nonexistant afterwards. 

You’ll get a better picture of your reproductive schedule

According to the Mayo Clinic, after you’ve decided to move forward with the process you’ll begin taking hormone injections. These hormones will have two distinct jobs—ovarian stimulation and preventing premature ovulation—which your doctor will achieve using a variety of medications. 

Your doctor will begin monitoring you and checking two very important levels:

• Estrogen (an increase means your follicles are developing)
• Progesterone (low levels will mean you haven’t ovulated yet)

Not only will you discover how your body reacts to stimulation (giving you a great deal of information about how your egg production is going) but you’ll also have an idea of when you should ovulate. Knowing exactly when the clock starts ticking—your eggs will be ready for retrieval after 10-14 days—will let you know what you can expect for this cycle. 

Your doctor will find out how many follicles you have

Speaking of follicles, these are the sacs where your eggs will stay until they have matured. Your doctor will likely use a vaginal ultrasound to check the status of your ovaries to see how many follicles have developed, indicating how many eggs you’ll likely have for retrieval. That number is going to be very important (and very exciting) for both you and your doctor. 

To give you an idea of why that number matters so much, you’ll need to know how many eggs you need to increase the potential for a live birth. A 2020 study in the Journal of Assisted Reproduction and Genetics found that a woman under the age of 35 averaged 21 eggs on their first round of egg retrieval. At that age, you would need approximately 9 eggs to ensure a 70% chance of a live birth. Once you find out how many follicles you have you might have a better idea of your pregnancy success rate when the time comes. 

There will be additional health screenings 

Another thing you’ll learn about your fertility is whether you have any diseases that you can pass onto a future child, via a genetic carrier screening test. Your doctor will also likely have you undergo an infectious disease screening—which will check for things like HIV and certain varieties of hepatitis—as part of your work up. These tests are different from genetic screenings, which looks for the potential changes in your genetic blueprint indicating heredity conditions that can be passed onto your child.  

Some people who freeze their eggs may do genetic testing ahead of time, whether because they already know that certain conditions run in their family or because they have a limited understanding of their family history. According to the Centers for Disease Control and Prevention (CDC), genetic testing can even give you information about some types of cancers that could impact your reproductive system, making it another important tool in your fertility arsenal. 

Getting proactive can save you money

By being proactive about your fertility journey you not only get to make the decisions about what your future family will look like based on your terms, but you’ll also be able to get an idea of what may lie ahead for you if you decide to have a child.

Of course, freezing your eggs can be expensive. It costs an estimated $10,000-20,000 per cycle. Fortunately, there are egg freezing programs like Freeze by Co that can help you navigate financial pain points that may make planning for that future family a little bit harder by offsetting some of the costs associated with freezing your eggs. Freeze by Co offers members two different options for freezing their eggs. Split Members may qualify to freeze their eggs for free when they donate half of their eggs to other families looking to conceive.

There are even benefits for those who want to use the Freeze by Co’s Keep program. As the name indicates, Keep Members keep all of the eggs collected during retrieval while still benefiting from discounted costs in the way of less expensive medications and more. 

You’ve likely heard about the process called egg freezing (sometimes called “fertility preservation”), where they stimulate the follicles in the ovaries and retrieve unfertilized eggs to preserve them for future use. 

But what exactly does that process look like? And why would someone want to go through it? Read on—we’ll explain everything you need to know about egg freezing. 

The process for freezing eggs

While it may sound like a very intense process—and for some women, the side effects of the  medications used to stimulate the eggs can certainly feel that way—freezing your eggs is actually a safe and minimally invasive procedure. 

1. Take our quiz to find affordable egg freezing options near you, including our Split program (where you can freeze your eggs for free if you give half to another family who can’t conceive) and our Keep program (where you can freeze your eggs more affordably and keep them all for your own future use). If you’d like to participate in Split, you can move forward with that application right away. If you’d like to join our Keep program, we’ll email you your options once you take the quiz.  
2. With Keep, the egg freezing process begins with a consult with your fertility doctor. They will do some initial testing to determine the current health of the eggs your ovaries are producing, both in number and in quality. You’ll undergo bloodwork and  an ultrasound to get a sense of this.
3. Next, you’ll likely undergo some general health screenings to make sure you’re not carrying any viruses that could complicate the process (like HIV or certain forms of hepatitis).
4. Once your health check is through, you’ll likely begin a series of medications, including ones that will stimulate your ovaries and/or prevent early ovulation. You’ll give yourself shots daily. If you freeze with Cofertility, we’ll provide you with step by step videos to ease the transition.
5. Around this time, you can also join the Cofertility Member Portal, where you can connect with (and lean on) other women freezing their eggs at the exact same time! 
6. Your doctor will monitor you during this time to confirm that the medications are working and that your estrogen levels are increasing while keeping your progesterone levels low. You may also undergo a vaginal ultrasound to monitor the condition of the follicles where your eggs will eventually mature.
7. After 10 to 14 days you’ll start a medication to help speed up egg maturity ahead of your egg retrieval. 
8. The retrieval process happens under light sedation and involves using a vaginal ultrasound and a needle with a suction device to retrieve the eggs—this sounds more intense  than it is.his procedure is normally done right in the clinic and takes about 10 minutes.
9. Once the eggs are retrieved, they’re flash frozen and stored in subzero temperatures, normally with a substance like liquid nitrogen to prevent the development of ice crystals. 
10. You can go home after the procedure and rest up!

How your body responds to the process

Everyone’s body will react differently to each step of the egg freezing process. While some women will experience bloating or hormonal responses from the medications that stimulate egg maturation, others may feel much less. You might experience some mild cramping or bloating following the retrieval process as your ovaries continue to remain enlarged from the medications used. 

Additionally, you’ll have an increased risk of pregnancy in the week following your retrieval. Because of this, many doctors suggest avoiding unprotected sex during this time period.

The goals for women who freeze their eggs can differ

Not everyone has the same intentions when they start the process of freezing their eggs. Some women may hope to prolong their reproductive years until they’re ready to have children, while others may be hoping to use their frozen eggs as donor eggs to help someone else who is trying to start a family. 

One thing all of these women have in common is that they’re hoping to improve their chances of those eggs eventually resulting in a healthy baby. To some extent, the more eggs there are, the better the chances of those resulting in a life birth. But we also know that egg quality is important. The number one factor impacting egg quantity and quality? Age. 

A study in the Journal of Assisted Reproduction and Genetics confirmed that the probability of at least one live birth varies with the number of mature eggs available and the age of the woman trying to conceive. For example, a woman under 35 who is trying to conceive will need 9 mature eggs to achieve a 70% chance of having at least one live birth. If you’re trying to conceive in your mid to late 30s, you may need double as many eggs to achieve that same 70% success rate. 

Because women in their 30s tend to produce less eggs, women who are freezing their eggs at this age may end up having to either settle for fewer eggs or undergo multiple rounds to collect enough eggs to have on hand for later implantation. As you can imagine, those costs can creep higher and higher the more rounds you endure, driving up the price tag and the risk of failure. 

Some things to consider about freezing your eggs

There are obviously many factors that go into the freezing process;  but, there are a few points to consider outside of the physical. You’ll also need to account for the cost—you not only need to pay for all of the testing and procedure plus monthly storage fees until you’re ready to fertilize your eggs. To this end, you will likely need to budget an extra $550-$1,000 a year to pay a company to store and monitor your eggs after they’ve been retrieved and frozen.

These procedures can quickly add up to a few thousand dollars—likely anywhere between $8,000 to $20,000. That price can be too high for some, which is why we’ve developed our Split program. With Split, you can freeze your eggs for free, if you qualify and donate half of your retrieved eggs to an intended parent who matches with your profile.

Getting a jump start on your fertility is a wise choice

Deciding to freeze your eggs is a proactive choice and a good idea if you’re not sure exactly when you’ll be ready to start a family (if you even want to). It’s also perfect for anyone who wants to retrieve healthy eggs before undergoing chemotherapy or a surgical procedure that could alter your fertility chances. 

The average age women have become parents has increased over time—with many spending their earlier adult years focused on getting an advanced degree, furthering their careers, or even finding the right partner—however, our biological clocks have remained the same.  

Take a look at your options

At Cofertility, we offer a variety of options for freezing your eggs, including our Split program where we’ll help you through the process of stimulating and retrieving your eggs at no cost as long as you donate half the eggs retrieved from each cycle (if you qualify). If donation is not for you, we also have a Keep Program in which you freeze and keep 100% of the eggs for yourself. Contact us today to learn more - no commitment required, but we’d love to talk through can help you take charge of your future reproductive health.

According to the American College of Obstetrics and Gynecologists (ACOG), a woman’s peak fertility years are from their late teens to their late 20s. While these may be the easiest biological years for starting a family, between travel, work, school, life…at that point in your life, family planning might not be your top priority. 

Fortunately, thanks to modern medicine, you have some options. Egg freezing allows you to preserve your healthy eggs at any point in time, without committing to starting a family. Let's talk about what you need to know about freezing your eggs. 

Here’s what you need to know about the process

While there are some big hurdles to clear—like the expenses of going through the process and how (and where) you’ll store your eggs—freezing your eggs is a way to take more control of your future fertility health. 

That being said, it’s important that you think of freezing your eggs not as a guarantee, but rather, a proactive step you can take towards fulfilling potential long-term family planning goals. It is not an insurance policy, but it can help give you more options in the future. 

Research has found that freezing nine eggs while under age 35 leads to a 70% chance of a live birth (studies found that the average number of eggs retrieved for the same women is 18-21). And the more eggs you freeze, the better those odds get. There are always chances that your retrieval could fail, or that implantation down the line may not take. Still, egg freezing in your 20s does offer higher chances of success than having them retrieved at a later age.

Getting ready for retrieval 

Before you can freeze your eggs, you’ll want to ensure your body is producing as many eggs as possible. This means taking hormones that can help stimulate the follicles on your ovaries to produce a larger than normal quantity of eggs.

According to the Mayo Clinic, this may include taking multiple medications or injectables like: 

• Ollitropin alfa or beta (Follistim AQ, Gonal-f) 
• Menotropins (Menopur)
• Leuprolide acetate (Lupron Depot) 
• Cetrorelix (Cetrotide)
• hCG

Your doctor will monitor your progress with blood tests across the 10-14 day period. He or she will tweak any ovarian-stimulating medications you’re given to make sure your estrogen and progesterone levels are where they need to be for a successful retrieval. 

During these visits, you’ll likely also have vaginal ultrasounds. The doctor will use this to check on the development of the follicles where your eggs mature. It might sound overwhelming, but vaginal ultrasounds are usually painless. 

Then, when the time is right—typically 10 to 14 days after you’ve started your medications—you’ll check back in with your doctor and receive a final  injection of something called a human chorionic gonadotropin. This is the final kick to help your eggs mature and prepare them for retrieval. 

Retrieving your eggs

Retrieval is typically done while you’re under a light sedation at a fertility clinic. Your doctor will retrieve your eggs via vaginal ultrasound with suction to remove eggs from follicles. You’ll likely wake up feeling well rested while your medical team has done all of the heavy lifting for you!

While you won’t feel any pain during the procedure, a little soreness afterwards isn’t uncommon.  

Freezing and monitoring

After your procedure your eggs undergo a process called vitrification (AKA: freezing). This process relies on subzero temperatures to cool the eggs for storage. They’re normally stored along with a substance (like liquid nitrogen) that  keeps ice crystals from forming within the frozen eggs. They’re then placed in cold storage for 24/7 temperature monitoring.  

Storage timelines

You may be surprised to learn that your frozen eggs have no expiration date. In fact, in 2021 a child was born from an embryo frozen 25 years prior! Once your eggs have been successfully frozen they cease all biological activity, including aging and deterioration. 

While some countries may have limits on the length of time your eggs can remain frozen, this has not taken hold in the United States. This comes as good news for women who are hoping to freeze their eggs earlier in life and may need more years of frozen storage. 

Our Split program includes 10 years of free storage at a reputable long-term facility, where you'll have access to them whenever you choose to use them. Our Keep program also allows you to store your eggs for 10+ years, though note that the payment will be out of pocket each year. 

How much does it cost?

A lot of women worry about the price tag for freezing their eggs. One piece of good news is that as technology (and availability) of these solutions advances, costs are starting to come down.

Still, you can be looking at a bill for a few thousand dollars for the procedure alone—anywhere between $6,000 to $11,000—plus an annual bill between $300-$1,200 for storage, and up to $5,000 for medications. 

With Cofertility, however, we’ve worked with clinic partners to get you discounts on freezing (think: 75% off initial consults at certain clinics), storage (up to 80% off compared to reputable clinic freezing), and medications (about a 20% savings). 

For those who qualify, our Split program also offers the opportunity to freeze your eggs for free if you donate half of them to a family who can’t otherwise conceive. Yep, zero dollars. 

Split allows you to take control of your reproductive future (while offsetting the costs), and enables you to give someone else the greatest gift of all: a shot at parenthood. But at the end of the day, our mission is to empower women with reproductive choice. If you decide that freezing isn’t for you, we respect that. And most of all, we applaud you for taking this step towards exploring your options and learning more about your own fertility. 

If you think you probably want kids someday—just maybe not, like, today—you might be considering freezing your eggs. Women who choose to do it can find it really empowering, but it can also be a huge personal and financial investment. We’ve gathered the basic info you’ll need to decide whether egg freezing is right for you. 

What’s the process like?

The whole point of egg freezing is to trick your ovaries into sending a whole crop of eggs out into the world in one go. This starts with nearly two weeks of intense, at-home prep work on your part. Here’s how it all plays out:‍

Shots/Sonograms/More Shots

Starting on day 2-3 of your period, you’ll give yourself daily injections of follicle stimulating hormones (FSH) and luteinizing hormones (LH). In a natural cycle, your brain makes smaller doses of these hormones on its own to signal to the ovaries that it’s time to make a single egg ready for ovulation. With this treatment, the brain’s natural process is overridden by the injections in order to encourage the ovaries to release as many eggs as possible.

But not so fast, ovaries! You’ll also be given a third drug in combination with these that will keep your eggs from releasing before the doctor is ready to catch them. Depending on which one you’re prescribed, you’ll start taking this at the same time as the stimulants, or about halfway through the stimulant cycle. Don’t worry, you’ll receive specific instructions on all of these and before you know it, you’ll be an expert at giving yourself a shot. Look at you go!

You’ll take these daily injections for 10-12 days, during which time you’ll also be carefully monitored by the clinic with trans-vaginal ultrasounds that examine your follicles (the ovarian sacs that release the eggs), and blood tests to track your hormone levels. Your medications will be adjusted based on the info from these tests.

When follicles are nice and plump, you do a trigger shot and then go into the center for your egg retrieval. This actually triggers ovulation and it’s what’s needed for the DNA to become mature, but your eggs will be retrieved right before they’re released from the follicles.

Retrieval

An egg retrieval is a minor surgical procedure. Most centers use twilight anesthesia, so you’ll be under sedation through an IV, but breathing on your own. The doctor performing the egg retrieval will insert a trans-vaginal sonogram. Now, here’s the kinda weird part: on the tip of that sonogram wand is a small needle, which pierces the vaginal wall, and then enters the ovary on the other side (the doctor is watching all of this happen on the sonogram screen). The needle drains the fluid (containing the microscopic egg) from each of the mature follicles. The entire thing takes about 20 minutes, and you can go home soon after. 

In the lab, each egg is isolated from the fluid by an embryologist, then stripped of its surrounding cells, and checked under a microscope for maturity. Mature eggs are frozen, post-mature eggs are discarded, and immature eggs may be observed overnight, to see if they are ready to be frozen the next day. 

Recovery

Depending on how many eggs are retrieved, getting over the procedure might be no big deal, or you could have post-retrieval symptoms. Some women experience bloating, cramping, nausea, and potentially some weight gain for a few days after the procedure. Time to stock up on coconut water and get cozy with some Netflix. 

How many eggs will I get?

“People always ask, ‘why can’t you just give every woman enough drugs so that everyone makes 20 eggs?’ But that’s not how it works. Our ovaries have a set number of follicles every menstrual cycle,” explains Dr. Talebian. And of course, each woman is different, so the expectation for egg retrieval has to be set on an individual basis. 

“You can have a 30-year-old who has 30 follicles and produces 30 eggs; and you can have a 30-year-old with 4 follicles and produces 4 eggs.” Once you begin the process, your doctor will monitor your follicle count as well as a blood test of your anti-Müllarian hormone (AMH), which are both good predictors of how many eggs you can expect. It’s super personal and varies case-by-case.

Once your eggs are frozen, the next important number to seek when interviewing a clinic is their thaw rate. This number indicates the percentage of frozen eggs actually survive the warming process in order to be used for IVF. Beyond that, there isn’t really enough data to provide success rates for pregnancy using a woman’s own frozen eggs (versus frozen embryos, for example.

“Anyone who says they can give success rates based on egg freezing is probably not giving an accurate answer,” says Dr. Talebian. “We can give you success rates for healthy donor eggs, but most women who come in to freeze eggs at ages 30-35 have not come back to use those eggs. So there isn’t enough data to give a success rate.”

At what age should I freeze my eggs? 

As we’ve said before, everyone is different, but Dr. Talebian provided some basic guidelines.

• If you have no fertility risk factors: between ages 30-34
• If you have some fertility red flags: consider testing at an earlier age, if, for example, if you have a history of endometriosis, family history of early menopause, or any history of radiation or chemotherapy exposure

“Unfortunately, there’s no magic blood test or ultrasound or MRI that says ‘oh you could wait until you’re 38, or you need to do it at 28,’” says Dr. Talebian. What the centers do have are the stats for the average women at each age and then your personal history and the follicle counts they can take when you come in for your first appointment. Based on all this information, you can have a straightforward convo with the doctor about your likelihood of success, so you can make the best call for your future. 

Read more: A Breakdown of Egg Freezing Success Rates by Age

How much will it cost?

It can totally vary, depending on where you live and from center to center. We can help with this. In our Freeze by Co program, we get special pricing from clinics and on medications. Plus, you get access to an amazing community of women freezing at the same time.

We also offer free egg freezing through our Split program, where you freeze your eggs for free when you donate half to a family that can’t otherwise conceive.

Want to learn more? Take our quiz to see if you’re eligible. 

Simmone Taitt, Founder and CEO of Poppyseed Health, is no stranger to reproductive health. In an interview with Cofertility, Simmone opens up about her embryo freezing experience. She shares her motivations, challenges, and the rewards she discovered along the way, providing invaluable insights for those considering this transformative path.

Eggs vs embryos

"I decided to create embryos with my partner because I was undergoing surgery for stage four endometriosis," Simmone explains. "There was a chance that I was going to lose one of my ovaries, and we wanted to preserve our options as much as possible while also addressing the endo." Unfortunately, she did lose her left ovary and fallopian tube, making the decision to create embryos even more significant.

Simmone froze her eggs at the age of 37, retrieving a total of 11 eggs. "I was 37 years old when I retrieved my eggs and we got 11 eggs," she shares. "The ovary that I ended up losing only produced 2 eggs while the other produced 9 eggs." Despite the challenges she faced, Simmone's determination remained unwavering.

Read more about choosing to freeze eggs vs embryos

Reflections on the process

Reflecting on the egg freezing process, Simmone shares, "The process was way more time consuming than I anticipated." She explains the rigorous routine of blood tests every other day for nearly two weeks and intravaginal sonograms during every visit. Simmone's experience was further complicated by the side effects of the stimulation medication due to her endometriosis. "It was tough on my body. I gained 10 pounds during the stimulation period and was very bloated," she reveals. However, the reward of creating embryos outweighed the difficulties she encountered.

For Simmone, the hardest part of the process came after the retrieval. "About four weeks after my first embryo transfer, I ended up in the hospital with a swollen arm," she recalls. "It turned out that I had a deep vein thrombosis (DVT)." This setback disrupted her plans for additional embryo transfers. Despite the challenges, Simmone's spirit remains unbroken.

Picking a fertility clinic

When it came to choosing a fertility clinic and medical professional, Simmone had specific criteria in mind. "I specifically wanted an REI who had experience with medically complex patients with inflammatory diseases," she explains. After consulting with various specialists, Simmone selected an REI whom she felt comfortable and safe with. Although her own journey has not resulted in a successful pregnancy (yet), she referred two friends to the same REI, both of whom had successful first transfers and babies. Simmone emphasizes that each person's body is different and outcomes aren't guaranteed.

Simmone acknowledges the impact of the egg freezing process on her personal and professional life. "Thankfully, I was able to go in for my monitoring hours first thing in the morning, which was the most convenient for my schedule," she shares. However, she also highlights the significant cost involved. "The cost is astronomical," she reveals. While her partner's company covered one round of egg retrievals, Simmone and her partner had to use their savings, around $5,000 to $6,000, to cover the expenses of medication and other aspects of the cycle.

The emotional and psychological aspects of egg freezing

Managing the emotional and psychological aspects of egg freezing presented its own challenges for Simmone. "I had a lot of friends who [have done IVF]. The process is similar, so I had a lot of knowledge going into it, but it was still emotionally tough for me," she admits. Simmone relied on her partner, family, and friends for support. The hormonal effects of the medications heightened her emotions and made her feel tender and vulnerable during that time.

Looking back on her egg freezing experience, Simmone reflects on the need for better awareness of the possible side effects. "I think we commercialize the egg freezing process and IVF to be 'easy' and 'accessible' and 'simple'," she states. Simmone wishes she had been more informed about the potential challenges involved and emphasizes the importance of a realistic understanding of the procedures.

Advice for others

Offering advice to those considering freezing their eggs, Simmone encourages open conversation and seeking support. "It's important to talk to people who have been through the process and get the real stories," she suggests. Simmone emphasizes the deeply personal nature of the decision and underscores the need for support, guidance, and empathy throughout the journey.

Simmone Taitt's story is one of resilience, hope, and empowerment. Her decision to freeze her eggs was driven by a desire to preserve her fertility amidst health challenges. Despite the obstacles she faced, Simmone's unwavering spirit and determination propelled her forward. Her experience serves as a reminder that while the road may be challenging, there is strength in preserving options and embracing the possibilities that lie ahead.

Rachel Liverman Crane is the Founder & CEO of the East Coast skincare facial concept Glow Bar. Yet, her dynamic life doesn't end with her professional achievements; she's also taken a bold step in her personal life by freezing her eggs — a journey made even more remarkable by overcoming medical anxiety, a common fear that affects many people facing medical procedures.

Medical anxiety is more than a fleeting concern; it's a genuine fear that can hinder individuals from pursuing necessary or elective medical treatments. In Rachel's case, it was a hurdle she had to conquer on her path to securing future family planning options.

Her journey reflects a blend of determination, pragmatism, and an unwavering belief in one's self, sending a strong message to others about the power of informed choices and the beauty of self-confidence. By bravely facing her fears, Rachel serves as an inspiration to others who may be on the fence about egg freezing. Whether it's expanding a skincare brand or planning for a future family, she navigates life with grace, wisdom, and a touch of humor, embodying the future's endless possibilities.

In a candid interview with us, Rachel shares this journey, opening up about her experience with egg freezing and how she overcame the anxiety that often accompanies medical decisions.

Deciding to freeze

At the age of 35, while single and deeply focused on growing her business, Rachel made the decision to freeze her eggs. Recognizing that she wouldn't be having children in the immediate future, she saw this as a way to retain her focus on her career without the looming pressure of biological timing. "I figured I would freeze my eggs so my focus could remain on my career and not have the pressure of having kids feel so strong."

The process resulted in a "lucky dozen" of 12 eggs, with nine being frozen. Her AMH was 1.81, and she candidly shares her experience, describing herself as an "open book."

Embracing the process even with medical anxiety

When asked what she was most nervous about, Rachel replied, “The shots, the blood draws every morning, the anesthesia, the IV, the recovery — I worried about it all!”

“But in the end”, she says, “it was so simple and my doctor and his team took such great care of me the entire way.”

Having seen friends go through it, she knew what to expect, although the physical discomfort and bloating after retrieval did surprise her. “The thing that surprised me the most was how bloated and uncomfortable that would feel after the retrieval process.”

What stands out, however, is the empowerment and strength she felt after going through this elective procedure, particularly given her medical anxiety. "I was really proud of myself for doing something that scared me for my future self!" 

Rachel, we’re proud of you too!

Facing the hard parts head-on

The journey wasn't without its challenges. The financial burden was a difficult aspect for her. As a startup founder, making such a significant investment had a real impact. Still, the sacrifice was worth it, even if it meant missing events like close friends' weddings abroad. "I don't have any regrets," she asserts.

Read more about paying for egg freezing:

• How to Pay for Egg Freezing
• How to Freeze Your Eggs for Free
• Does Insurance Cover Egg Freezing?

Choosing Dr. Joshua Stewart at Dr. Joshua Stewart at Cornell for the procedure, she feels the decision has had a profoundly positive effect on her professional life. It allowed her to prioritize her career, team, and business without sacrificing personal aspirations.

Looking back and looking ahead

Looking back, the only thing she might have done differently is to take supplements or seek acupuncture to support her eggs. Yet, she considers the freezing of her eggs as part of her journey, jokingly referring to them as her "insurance plan" and the possibility of thawing these "cuties" to make babies if and when needed.

Rachel says that her relationships and dating life remained unaffected. Freezing her eggs just became "another part of me," not altering her approach to dating or personal relationships.

Advice for others

Her advice for others considering this path is wise and considerate. She urges people to talk to others who have undergone the process, ask questions, advocate for themselves, and not to push themselves if it doesn't feel right.

"Don't feel pressure to do this if it doesn't feel right for you. It's a serious and expensive procedure, so make sure that this is something that you really care about and feel is right for you and where you are today.” We couldn’t agree more!

Thanks to developments in medical technology, a growing emphasis on reproductive autonomy (thank goodness), and opportunities like our Split program, egg freezing is now more accessible than ever. However, the financial commitment doesn’t stop with the initial freezing process. A key consideration is the long-term cost of storing frozen eggs, an important component of financial planning for those pursuing egg freezing.

Understanding frozen egg storage costs can help you make informed decisions about your reproductive future. Whether you're considering freezing your eggs now or managing storage costs from a previous cycle, knowing the financial breakdown can ensure better long-term planning. After all, these days, frozen eggs can be stored indefinitely. 

Below, we explore the typical expenses associated with frozen egg storage and the factors that can affect these costs. One note: this article contains figures provided at the time of writing, and they may all be subject to change over time. 

Average costs of egg storage

Retrieving and freezing your eggs is just the beginning. Once frozen, your eggs will need to be stored, and the cost of egg storage can vary widely depending on the facility, location, and other factors. Here's a general breakdown of what you can expect to pay for storing your frozen eggs:

Annual egg storage fees

On average, storage fees for frozen eggs can range from $500 to $1,000 per year. These fees cover the ongoing maintenance of your eggs at sub-zero temperatures in a cryobank or fertility clinic. Some clinics in major metropolitan areas may charge upwards of $1,200 per year, while smaller clinics or cryobanks in less populated regions may offer more affordable rates.

Many facilities offer discounts for pre-paying for several years of storage upfront. These long-term storage plans may reduce the yearly cost to around $400 to $700 per year, depending on the contract length. Typically, clinics offer 3-to 10-year prepaid storage options, with deeper discounts for more extended commitments.

You also have the option of working directly with a long-term storage facility. Cofertility partners with TMRW Life Sciences, which offer our members – regardless of where they froze their eggs – discounted long-term storage rates (more on that below!).

Transportation costs 

In addition to the annual fees, there may be other costs to consider, such as the cost to transport your eggs to a different facility or clinic. Moving frozen eggs between storage facilities, either across town or internationally, can cost up to $1,500, depending on the logistics involved.

Factors affecting egg storage costs

Several factors influence the total cost of storing your eggs. Here's a look at the most common elements that determine frozen egg storage pricing:

Geographic location

Like most medical or cryopreservation services, egg storage costs vary significantly depending on the location of the cryobank or fertility clinic. Facilities in major cities tend to charge more due to higher operational costs. In contrast, clinics in smaller towns or rural areas may offer more affordable rates. Women freezing their eggs in cities like New York, San Francisco, or Los Angeles may see storage fees at the higher end of the spectrum, while facilities in less densely populated areas might provide more budget-friendly options.

Type of egg storage facility

‍The type of facility storing your eggs also plays a role in the cost. Fertility clinics, dedicated cryobanks, and hospital-affiliated storage facilities all have different pricing structures. Fertility clinics often charge more for egg storage, as they may outsource the service to third-party cryobanks and tack on additional fees. Dedicated cryobanks, such as TMRW Life Sciences, may offer better deals, especially if they specialize in long-term storage. Hospitals with fertility departments may provide storage, but the costs can vary significantly depending on their resources and expertise in fertility preservation.

Storage duration

The length of time you store your eggs also impacts the total cost. As mentioned earlier, many facilities offer discounts for long-term storage commitments, with prepaid plans that can save you money over time. If you expect to store your eggs for five years or more, opting for a multi-year plan may be a smart financial decision.

Additional services

Some clinics or cryobanks charge extra fees for services like annual maintenance, insurance, or egg retrieval for future use. These services can add hundreds of dollars to your overall storage costs, so it's essential to ask about all potential fees upfront when choosing a storage facility.

One note: check with your clinic to see if the number of eggs stored (or number of cycles) will impact your annual storage fees. It generally doesn’t, but worth confirming directly. 

Tips for managing egg storage costs

While egg storage costs can add up over time, there are several strategies you can use to manage these expenses more effectively:

Shop around

Don’t assume you must store your eggs at the same fertility clinic where they were frozen. In fact, many fertility clinics send eggs to third-party cryobanks for storage and may charge an additional fee for this service. It's worth researching local cryobanks and comparing their rates directly, as this could save you money. If you’re interested in learning more about storage with TMRW, Cofertilty’s team can get you connected directly. 

Consider bundled packages

Some clinics offer bundled packages that include both the egg freezing process and a certain number of years of storage at a discounted rate. If you're just beginning the egg freezing process, ask about package deals that could save you money on storage costs in the long run.

Explore financial assistance options

There are several grants, financing programs, and payment plans designed to help women cover the costs of egg freezing and storage. For example, organizations like Baby Quest and the Cade Foundation offer grants for fertility preservation, while some clinics may provide in-house financing options. We’ve actually got a whole article about various ways to pay for egg freezing, which you can find here. 

Our programs

We offer our members ways to help reduce or eliminate storage costs altogether. With our Split program, where you freeze your eggs for free when donating half of the mature eggs retrieved, storage is entirely free for 10 years. Alternatively, the Keep program allows you to freeze all of your eggs for your own future use, while still accessing discounted rates for storage through Cofertility’s partnership with TMRW Life Sciences. 

Cofertility’s partnership with TMRW Life Sciences

We’ve partnered with TMRW Life Sciences to offer our community exclusive storage rates, helping to save thousands on frozen egg storage costs. TMRW’s state-of-the-art facility provides unparalleled transparency, safety, and accountability, using advanced digital labeling and RFID tracking technology to monitor the storage of your frozen eggs continuously. 

With TMRW, you also have constant access to data about your eggs, so you can feel confident that they are being stored securely and safely.

Summing it up

Egg storage costs are an often overlooked part of the overall financial planning process when considering egg freezing. From annual storage fees to potential transportation costs, it's important to understand all the factors that contribute to the total cost of egg freezing. 

By exploring different storage options, taking advantage of bundled packages, and considering innovative opportunities like our Split and Keep programs, you can manage your egg storage costs more effectively while safeguarding your reproductive future.

To learn more about our Split program and see if you qualify, click here!

Read More:

• Egg Freezing: How Long Can My Eggs Be Stored?
• What Happens to My Eggs After Egg Freezing?
• What Happens to My Frozen Eggs if I Never Use Them?
• How to Pay for Egg Freezing