Egg Freezing Discussion – Is it Covered by Insurance?

Women are increasingly turning to egg freezing to preserve their fertility.  Although women are biologically most fertile before age 35, this timeline is not always ideal.  Egg freezing harvests younger, healthier eggs and stores them until a woman is ready to start a family.  Although there is a cost for this service, the benefits can far outweigh the costs.  Additionally, in some instances egg freezing is covered by insurance.

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Insurance Coverage for Egg Freezing

Despite the changes made by the Affordable Care Act, insurance companies are not obligated to pay for fertility care.  This includes fertility preservation through egg freezing.  Furthermore, even when there is fertility coverage, many policies do not provide payment for egg freezing cycles.

Aspects of fertility preservation that may be covered by insurance include:

  • Diagnostic testing to ensure you are a good candidate for fertility preservation
  • Office appointments for consultations
  • Coverage for fertility preservation or egg storage for women who are undergoing treatment for cancer
  • Some prescribed medication

Some women may find that they have insurance coverage for fertility treatment but no coverage for egg freezing.  Other women, such as those receiving cancer treatment, may have coverage for fertility preservation but not for using the eggs when a woman is ready. To fully understand your level of coverage, speak with your insurance representative or review your health insurance policy.

Paying for Egg Freezing

For women without insurance coverage, there are ways to make fertility preservation more affordable. More and more companies are providing coverage for egg freezing as a way to appeal to women in the workforce.  Additionally, world class fertility centers will provide payment options and financing to make fertility preservation more affordable.

The leading provider of egg freezing and fertility preservation in NYC, New Hope Fertility Center, offers packages for egg freezing that includes treatment costs, ongoing monitoring during the cycle, and consultation for women without insurance coverage.  This type of packaged option can also make fertility preservation more affordable.

For additional information on egg freezing or specifics regarding your out of pocket costs, contact New Hope Fertility Center today.  Please click the link below to enter your information and New Hope will contact you, or simply call 212-517-7676. Thank You.

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