Learn what egg freezing costs, what insurance may cover, and how to compare payment plans, fertility financing, and loan options for treatment.
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The national average cost of an egg freezing cycle ranges from $10,000 to $16,000 all-in, plus $500 to $1,000 per year for ongoing storage. Learn how cycle costs break down, where employer benefits apply and how to finance your fertility preservation over time.
Egg freezing (mature oocyte cryopreservation) has become a mainstream path for women looking to preserve their reproductive options for biological, career or personal timing reasons.
Unlike most medical procedures, egg freezing has a two-part cost structure: a substantial upfront surgical and medication bill, followed by an open-ended annual cryogenic storage fee. Understanding the true multi-year cost and comparing financing options early ensures you can complete your planned cycles without facing surprise bills later on.
The total cost of a single egg freezing cycle generally falls between $10,000 and $16,000. That figure combines the clinical procedure itself, frequent monitoring visits and injectable stimulation medications, which represent a significant portion of the total expense.
Below is how the typical expenses of a single treatment cycle break down on a national level:
| Expense Category | Typical Cost Range | What It Covers |
|---|---|---|
| Retrieval & Monitoring | About $4,200 to $8,000 | Ultrasounds, bloodwork panels, physician retrieval surgery, anesthesia and laboratory vitrification (flash-freezing) |
| Stimulation Medications | About $2,000 to $6,000 | Daily hormone injections (gonadotropins, antagonists, trigger shot) purchased directly through specialized fertility pharmacies |
| All-In Single Cycle | About $10,000 to $16,000 | Full procedural and medication costs combined for a single egg retrieval |
| Annual Cryo-Storage | About $500 to $1,000 per year | Ongoing liquid nitrogen storage at the clinic or an offsite long-term repository (first year is often included in retrieval fees) |
National benchmark figures. Actual costs vary based on clinic pricing tiers, geographical market and personalized medication protocols. Data reflected from a 2026 egg freezing cost guide.
While your retrieval and medication bills represent a one-time surgical event, cryogenic storage is a recurring annual commitment. You will pay storage fees for every year your eggs remain frozen until they are thawed for fertilization or discarded.
At $500 to $1,000 per year, storing eggs for seven to ten years adds an extra $3,500 to $10,000 to your total lifetime investment. Many clinics include the first year of storage in their standard cycle package, after which billing transitions to annual renewals or transfers to dedicated long-term cryobanks.
Some fertility practices offer multi-year storage packages (such as three- or five-year prepaid plans) at a 10% to 20% discount. When planning your budget, treat your retrieval and medication balance as the primary amount to finance with a loan, while treating ongoing storage as a routine annual line item in your personal budget.
A single retrieval cycle does not always yield enough mature eggs for a reliable chance at a future live birth. Because egg quality and quantity naturally decline over time, many women undergo two or three cycles to reach clinical targets.
Reproductive endocrinologists generally recommend freezing 10 to 20 mature eggs to provide reasonable odds of at least one future pregnancy, depending on your age at retrieval:
Before securing financing, have your doctor review your Anti-Mullerian Hormone (AMH) levels and antral follicle count. This evaluation gives you a realistic estimate of expected egg yield so you can size your financing to cover multiple cycles if necessary.
Standard commercial health plans strictly exclude coverage for elective or “social” egg freezing, categorizing fertility preservation without a medical diagnosis as optional personal care.
Insurance coverage is far more common when freezing is medically indicated. This occurs when fertility is threatened by iatrogenic medical treatments, such as chemotherapy, pelvic radiation, bone marrow transplants or gender-affirming surgery.
A growing number of states have passed fertility preservation mandates requiring state-regulated group health plans to cover oocyte retrieval and cryopreservation for patients facing medically induced infertility. The national infertility association RESOLVE tracks state-by-state fertility preservation laws. Call your insurance provider and ask for an exact breakdown of your fertility preservation benefits before assuming coverage is unavailable.
Employer fertility benefits are the single most effective way to lower your out-of-pocket costs, yet many employees fail to investigate them thoroughly before applying for loans.
Companies frequently offer dedicated fertility and family-building benefits separate from standard health insurance. These programs, administered by specialized networks like Progyny, Carrot Fertility or Maven Clinic, often cover one or two full retrieval cycles, medication allowances and multi-year storage.
Check with your Human Resources or employee benefits department to ask specifically if your company covers elective or medical fertility preservation. If your partner has employer-sponsored coverage, check their plan details as well, as some enterprise plans extend benefits to domestic partners.
Under IRS Publication 502, medical expenses are deductible only if they treat or prevent a physical defect or illness. Elective egg freezing undertaken for lifestyle, career or general age-related concerns does not qualify as an eligible medical expense.
Using pre-tax funds from a Health Savings Account (HSA) or Flexible Spending Account (FSA) for non-qualified elective freezing can result in back taxes plus a 20% IRS penalty.
Pre-tax accounts may only be used when egg freezing is medically indicated to preserve fertility before medical interventions like cancer therapy or severe endometriosis surgery. In these cases, you must retain a written Letter of Medical Necessity (LOMN) from your reproductive endocrinologist or oncologist for your tax records.
Because elective cycles are mostly self-funded, patients generally combine personal savings, employer allowances and third-party financing to fund their care.
| Payment Method | How It Works | Best Suited For | Key Considerations |
|---|---|---|---|
| Employer Benefit | Carve-out fertility plans (like Carrot or Progyny) covering cycles directly | Minimizing or eliminating out-of-pocket borrowing entirely | May restrict you to specific in-network clinics and require pre-certification |
| Personal Savings | Pay the clinic and pharmacy directly using personal cash reserves | Avoiding all borrowing fees, origination charges and interest costs | Ties up substantial liquid cash reserves that may be needed for other milestones |
| Clinic Payment Plan | The fertility practice divides procedural fees across scheduled monthly debits | Short-term, interest-free financing without opening a new external credit line | Often covers only the retrieval fee, excluding external specialty pharmacy medication bills |
| Healthcare Credit Card | Revolving healthcare credit lines (such as CareCredit) featuring 0% promotional APR periods | Borrowers certain they can repay the balance within the 6 to 24 month promotional window | Carries deferred interest. Leaving an unpaid balance at the end of the window triggers retroactive interest back to day one at up to 29.99% |
| Unsecured Personal Loan | Fixed-rate installment loan disbursed as cash directly to your personal bank account | Funding complete cycles ($10,000 to $25,000) over 2 to 5 years with predictable monthly payments | Interest accrues immediately; approved interest rates depend on your credit score and debt-to-income ratio |
A distinct advantage of an unsecured personal loan for egg freezing is that funds are deposited directly into your bank account as cash. This allows you to pay both the clinic’s procedural fee and external fertility specialty pharmacies for your stimulation medications from a single loan.
Once you have a written treatment estimate and medication protocol from your fertility clinic, you can review prequalified installment loan options through our network. Checking rates takes about two minutes and uses a soft credit inquiry that will not affect your credit score.
When financing a five-figure fertility procedure, your repayment term is the primary factor governing total borrowing costs. Selecting a longer loan term lowers your monthly payment, but increases the cumulative interest you pay over time.
Here is how financing a $12,000 balance (typical for an all-in single cycle with moderate medication protocols) compares across common loan windows at a sample 13% APR:
| Repayment Term | Estimated Monthly Payment | Estimated Total Interest | Total Cash Repaid |
|---|---|---|---|
| 24 months (2 years) | About $571 | About $1,700 | About $13,700 |
| 36 months (3 years) | About $404 | About $2,560 | About $14,560 |
| 48 months (4 years) | About $322 | About $3,450 | About $15,450 |
Illustration only at a sample 13% APR on a $12,000 balance. Actual rates, loan amounts, and payment terms depend on your credit profile and individual lender guidelines.
While a 48-month plan brings your monthly payment down to $322, it adds more than double the interest of a two-year loan. Aim for the shortest loan window that fits comfortably into your monthly cash flow. You can check your rate with our partner SuperMoney using a soft inquiry that will not affect your credit score.
Yes, though lower credit scores typically result in higher interest rates, origination fees or smaller approved loan amounts. Loan approval is never guaranteed.
Unsecured lenders evaluate your credit history, income stability and debt-to-income ratio. When reviewing offers, always evaluate the total borrowing cost rather than just the monthly payment. If you do not qualify for reasonable interest rates on your own, consider applying with a creditworthy co-signer, applying for manufacturer medication discount programs (such as Compassionate Care or Reunite Rx) or exploring multi-cycle clinic package discounts.
Yes. Because personal installment loans are disbursed as lump-sum cash, you can size your loan to fund two full retrieval cycles upfront or pay for your first cycle while keeping remaining funds in reserve for a second round.
Generally no. Annual cryogenic storage is a recurring maintenance bill ($500 to $1,000 per year) that most patients manage through their regular annual operating budget rather than adding it to an interest-bearing loan balance.
Generally no. The IRS excludes elective fertility preservation from eligible medical expenses. Pre-tax funds may only be used when egg freezing is medically indicated to protect fertility ahead of toxic medical treatments with a formal Letter of Medical Necessity.
Unsecured personal loans and healthcare credit cards rarely require a down payment, allowing you to finance the complete treatment cost. In-house clinic plans often require a deposit before starting ovarian stimulation medications.
Initial rate checking through prequalification uses a soft credit inquiry that leaves your credit score untouched. A hard credit inquiry is only initiated when you officially select an offer and submit a finalized loan application.
Yes. Most modern personal installment loans carry no prepayment penalties. Making extra payments directly toward your principal balance reduces your overall interest charges and clears your debt ahead of schedule.
Egg freezing allows you to preserve your reproductive potential on your own timeline, but navigating five-figure procedural costs requires clear financial preparation.
Consult with a reproductive endocrinologist to get an accurate assessment of your ovarian reserve and estimated cycle requirements. Review your employer’s fertility carve-out benefits, confirm whether medical indications apply for insurance, and compare fixed-rate personal installment loans against clinic financing options to establish a monthly payment that fits comfortably within your budget.
Thinking about IVF or wider fertility care too? See our guide to financing fertility treatment for how coverage and costs compare.
Are you a fertility clinic? See how to offer your patients monthly payment options.
Disclosure: FigCare Pay is not a lender, broker, or credit decision-maker. When you select “View My Offers,” you are redirected to an independent third-party loan marketplace where lenders determine all rates, terms, and approvals; FigCare Pay may receive referral compensation. Prequalification uses a soft credit check with no credit impact, though completing an official loan application may require a hard inquiry. Cost figures shown are estimated examples that vary by clinic, protocol, and region and are not a quote. This page is general information only and is not medical, financial, tax, or legal advice.
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