Egg freezing cost: the bill beyond retrieval

Prices as of November 2026

Priced like a procedure. Billed like a decade. The egg freezing cost a clinic posts covers one retrieval. Storage bills every year after, and using the eggs is a second procedure with its own price.

Search for the price of freezing your eggs and clinic pages give you a number. It is usually between $4,800 and $13,200. It looks like the whole price. It covers one retrieval.

Of the 621 US clinics we track, 82 have an egg-freezing price page. 64 show a usable price, and only 30 say clearly what it covers. At those 30 clinic locations the median posted cycle is about $7,400. That is before medications, and usually before storage.

None of this means do not freeze. It means budget for the whole path. Here are the three bills.

Bill 1: what the posted price covers

Posted prices are not comparable at a glance. Some include monitoring, anesthesia and the first year of storage. Others leave all three out. Medications add $3,000 to $6,000 at the clinics that estimate them. Of the 64 clinic pages with a usable price, 26 say drugs are extra, 2 include them, and 36 do not say.

So ask for a cycle price with medications, in writing. For one retrieval, we use about $11,900: the $7,400 posted median plus $4,500, the middle of the $3,000 to $6,000 range.

Bill 2: egg freezing storage fees

Storage is billed every year the eggs stay frozen. Posted fees run $400 to $1,250 a year. Guides put it at $500 to $1,000. We use $800. Twelve of the 64 pages include the first year. Eight post what year two costs. Prepaid plans can lower it to about $400 to $700 a year.

Freeze at 30 and use at 40, and that is ten years of storage: $800 a year is $8,000. Moving eggs to another facility can cost up to $1,500. A clinic can also discard eggs after prolonged nonpayment, so ask about unpaid-storage rules.

Bill 3: the cost to use frozen eggs

Eggs are not embryos. To use them, a lab thaws them, fertilizes them, grows embryos and transfers one. Of the 82 pages, one lists a price for that step: $7,700 per thaw cycle. Guides put total return costs at $10,000 to $19,000 or more, including $3,000 to $6,000 for genetic testing. Medication for the transfer is part of that total.

We use $10,000 to $25,000, and the top of that range allows for more than one thaw cycle.

The ten-year total

Our estimate from published figures. No clinic publishes this total. The multiple compares the bill after retrieval with the median posted price ($7,400).

Check what your plan covers before you book.

How many cycles you may need

One cycle may not be enough. A published model finds that with 20 mature eggs frozen, the chance of at least one live birth is 90% at age 34, 75% at 37 and 37% at 42. For at least two babies, the same model gives 66%, 39% and 7%. Many cycles yield fewer than 20 mature eggs, and another cycle repeats the first bill.

In national data on thawed eggs, live birth per transfer falls from 42.8% for eggs frozen before 35 to 10.8% after 42. Per thaw cycle, which counts cycles with no transfer, it is 31.5% under 35.

Does insurance cover egg freezing?

Rarely, for elective freezing. State preservation mandates cover medical cases such as cancer treatment. Some employer benefits cover it, and some count egg freezing as half a cycle. Plan rules differ, so ask your benefits team for the written terms.

Three questions to ask before booking

1. What is the cycle price with medications? - Ask for a written estimate, not a starting price.
2. What does storage cost after the first year, and does prepaying lower it? - Also ask what it costs to move the eggs.
3. What would it cost to use the eggs? - Thaw, fertilization, embryo culture, genetic testing, transfer, medication. Compare posted prices near you on our clinic pages, and see state IVF costs in IVF cost by state.

How we got these numbers

Prices are as each clinic states them on its own site, read October to November 2026. Where a clinic posts a range, we use its low end. The median covers only clinics that post a price, and those clinics are not a random sample. We never estimate a price for a clinic that does not post one. We excluded pages with no egg-freezing price, expired offers, and pages that borrowed another city's price. Read our price methodology.

Common questions

1. How much does egg freezing cost? - Posted cycle prices run $4,800 to $13,200, median about $7,400. With medications, about $11,900. Storage and later use come on top.
2. How much is egg freezing storage per year? - Posted fees run $400 to $1,250 a year. We use $800.
3. How much does it cost to use frozen eggs? - About $10,000 to $25,000 for thaw, fertilization, transfer, testing and medication.
4. Is the first year of storage included? - At 12 of 64 pages, yes. Most do not say.

Sources

1. ASRM patient fact sheet (2023)
2. ASRM Ethics Committee, planned oocyte cryopreservation (2023)
3. Goldman et al., Human Reproduction (2017)
4. Kawwass et al., Fertility and Sterility (2021)
5. KFF, mandated coverage of infertility treatment
6. Alliance for Fertility Preservation, insurance coverage
7. Progyny, Smart Cycle
8. Cofertility, frozen egg storage costs
9. Published storage fees and nonpayment policy
10. Egg freezing cost guide
11. Published pricing source: storage and cycle scope
12. Published pricing source: medication and storage
13. Published pricing source: thaw cycle
14. Published pricing source: storage costs
15. RESOLVE, egg freezing
16. Cost-effectiveness model of oocyte cryopreservation (2020)
17. Devine et al., cost-effectiveness analysis (2015)
18. Published pricing source: thaw, fertilization and transfer
19. Published pricing source: egg freezing medications
20. Freeze.health, guide to egg freezing costs (2019)
21. Internal source: price and cost pages of 64 US clinic locations in The Fertility Index dataset, read October to November 2026.

Priced like a procedure. Billed like a decade. The Fertility Index. Prices as of November 2026. Corrections: hello@thefertilityindex.com

Last updated: November 4, 2026