Costs & Financing
Understanding the financial aspects of egg freezing and exploring options to make it more accessible
Understanding the costs associated with egg freezing is an important part of your fertility preservation journey. This page breaks down the expenses involved and explores financing options to make egg freezing more accessible.
Cost Overview by Location
| Location | Procedure Cost | Medication Cost | Annual Storage | Total First Year |
|---|---|---|---|---|
| United States | $7,000-$12,000 | $2,000-$5,000 | $500-$1,000 | $9,500-$18,000 |
| Spain | $4,500-$6,000 | $1,000-$2,000 | $300-$500 | $5,800-$8,500 |
| Mexico | $3,500-$5,000 | $1,000-$1,800 | $250-$400 | $4,750-$7,200 |
| Thailand | $3,000-$4,500 | $800-$1,500 | $200-$350 | $4,000-$6,350 |
| Taiwan | $3,500-$5,500 | $1,000-$1,800 | $300-$500 | $4,800-$7,800 |
| Hong Kong | $7,000-$10,000 | $1,500-$3,000 | $400-$800 | $8,900-$13,800 |
Note: These are average ranges. Actual costs may vary based on individual clinics, your specific medical needs, and currency exchange rates.
What's Included in Egg Freezing Costs
Financing Options
Clinic Payment Plans
Many clinics offer in-house financing options with monthly payment plans, often with 0% interest for qualified patients.
- Typically 12-24 month payment terms
- May require a credit check
- Often no prepayment penalties
Medical Loans
Specialized healthcare financing companies offer loans specifically for fertility treatments.
- Companies like Future Family, CapexMD, and Lending Club
- Interest rates typically range from 5-15% based on credit
- Loan terms from 24-60 months
Insurance Coverage
While most insurance plans don't cover elective egg freezing, some do offer partial coverage.
- Check if your employer offers fertility benefits
- Some plans cover diagnostic testing and monitoring
- Medical egg freezing (for cancer patients) is more commonly covered
Employer Benefits
An increasing number of companies now offer fertility benefits as part of their employee packages.
- Companies like Google, Apple, Facebook, and many others offer coverage
- Benefits typically range from $10,000-$100,000 lifetime maximum
- May be administered through Carrot, Progyny, or WINFertility
Cost-Saving Tips
Consider Medical Tourism
As our cost comparison shows, egg freezing abroad can save you 30-60% compared to US prices, even after factoring in travel costs.
Ask About Multi-Cycle Discounts
Many clinics offer significant discounts if you commit to multiple egg freezing cycles upfront, which can be beneficial if you're looking to bank more eggs.
Shop Around for Medications
Medication costs can vary significantly between pharmacies. Ask your clinic for recommendations on specialty pharmacies that offer competitive pricing for fertility medications.
Look for Clinical Trials
Research institutions sometimes conduct clinical trials related to egg freezing that offer reduced costs or free services in exchange for participation.
Ready to Explore Your Options?
Let us help you find the most cost-effective egg freezing solution that meets your needs, whether at home or abroad.