Will insurance cover my egg freezing? (US)

Sometimes. It depends on your state, your plan type, and whether you are freezing for medical reasons or electively. In practice, coverage tends to come from three places: state rules, employer fertility benefits, and tax-advantaged accounts. Each works a little differently.

1) State rules (what your state requires, sometimes)

More states now require some fertility coverage, but the details vary. As of 2025, about 22 states plus D.C. have laws that require at least some fertility coverage. A smaller subset includes IVF, and an overlapping group specifically requires fertility preservation when it is medically necessary, for example before chemotherapy or radiation. Elective egg freezing is usually not mandated.

Two fine-print items matter a lot:

Plan type. State mandates typically bind fully insured employer plans. Many large employers use self-funded (ERISA) plans that are not bound by state insurance law, even if you live in a mandate state.

Medical vs elective. Laws that cover fertility preservation usually require a medical trigger, such as iatrogenic infertility from cancer therapy. Elective freezing is rarely included in mandates.

2) Employer fertility benefits (where many people get real help)

A growing number of employers buy dedicated fertility benefits that do cover elective egg freezing, sometimes with medication and a year of storage, through vendors like Progyny, Carrot, WIN, Maven, and Stork Club.

Two common designs: a cycle-based model (e.g., Progyny Smart Cycles that bundle services per cycle) or a dollar allowance (a set stipend usable for egg freezing, IVF, adoption, etc.).

What you’ll see in practice: guides showing two Smart Cycles (sometimes a third if no live birth) or a $10,000+ lifetime allowance via Carrot-style programs. Several large carriers now partner with Progyny to offer these alongside the health plan. Your HR site or the vendor portal spells out whether egg freezing, medications, and storage are included.

3) HSA, FSA, HRA (helpful, with caveats)

You can generally use tax-advantaged accounts for qualified medical expenses. IVF is explicitly eligible. Medically necessary fertility preservation (e.g., before gonadotoxic therapy) is more likely to qualify. Elective egg freezing sits in a gray zone, so administrators often require a Letter of Medical Necessity. Keep receipts and documentation.

What this means in dollars

Recent price roundups put one egg-freezing cycle in the low-to-mid teens before medications, with medications often $3,000 to $6,000, and storage billed annually. Benefits that cover a cycle plus meds can save five figures in a year you freeze. If your employer includes one year of storage, that removes another fee in year one.

A 5-minute coverage check (that actually works)

Find your plan type. In your benefits portal, confirm fully insured vs self-funded (ERISA). If self-funded, state mandates may not apply, but employer fertility benefits might.

Search your plan docs. In the Summary of Benefits and Coverage or plan document, look for: “infertility,” “fertility preservation,” “cryopreservation,” “egg freezing,” “storage,” “medications.”

Look for a vendor. If you see Progyny, Carrot, WIN, Maven, or Stork Club, call the member line for eligibility, out-of-pocket estimates, and storage coverage.

Ask HR about allowances. Confirm Smart Cycle count or stipend amount, and whether pre-authorization or a Letter of Medical Necessity is required for freezing and storage.

Where Strawberry fits

Before you decide how quickly to move or how many cycles to budget, get your baseline in place. Strawberry’s at-home Ovarian Reserve Blood Test (AMH) and Fertility Blood Test (AMH, FSH, estradiol) give you lab-grade context without the clinic runaround, and every member receives a Personalized Fertility Timeline to bring to benefits calls and consults. Day-3 testing is especially easy since you collect at home, not at a lab when you are tired and menstruating.

Bottom line

Coverage for egg freezing in the United States is not one size fits all. Medically necessary preservation is often supported by state laws. Elective freezing is most commonly covered through employer fertility benefits. HSAs and FSAs can help when documentation shows medical necessity. Spend five minutes confirming your plan type and any vendor benefits, then use your own data to choose timing. That mix—clear numbers plus your Personalized Fertility Timeline—turns a confusing patchwork into a plan you can act on.