Egg Freezing Cost: What You Can Expect to Pay | Damien Fertility Partners

A single egg freezing cycle in the United States typically costs between $10,000 and $20,000 when medications are included — but that figure covers only the freezing phase. Annual storage fees, the possibility of multiple cycles, and the eventual cost of thawing and transfer mean the true investment is often considerably higher than the headline number suggests.

The question most patients are actually asking is: what will this cost me, in total, before I have a child? That requires looking at each component separately — procedure fees, medications, storage, and the IVF cycle you’ll need when you return to use your eggs. We provide a clear, personalized cost breakdown before you begin, based on your specific clinical profile. We’ve offered fertility preservation across New Jersey since 1989 from our offices in Shrewsbury (Monmouth County), Newark (Essex County), and Jersey City (Hudson County). Request a consultation to receive a personalized estimate, including virtual appointments with Dr. Barry Perlman and consultations with our nurse practitioners. 

The Base Cost of an Egg Freezing Cycle

The base procedure fee for egg freezing in the United States generally ranges from $6,000 to $11,000, depending on the clinic and location. This fee typically covers initial monitoring appointments, the egg retrieval procedure and anesthesia, embryologist fees, and the vitrification (flash-freezing) process. Some clinics include the first year of storage in the base fee; others bill it separately from the start. When comparing clinic quotes, confirm specifically what is and is not included — the same headline number can cover meaningfully different scopes of service.

Medications. Hormonal injectable medications used to stimulate the ovaries are almost always billed separately from the procedure fee and represent one of the largest individual line items in the process. Medication costs typically fall between $3,000 and $6,000 per cycle, depending on the protocol and your individual response. Patients with lower ovarian reserve may require higher doses, which increases medication costs. Some clinics have relationships with specialty pharmacies or assistance programs that can reduce out-of-pocket drug costs — ask at your consultation whether any such programs are available.

Total per-cycle cost. When medications are included, most patients in the NJ/NYC metro area pay between $10,000 and $20,000 per cycle. Because many patients require more than one cycle to reach their target egg number, the cumulative investment can be substantially higher than a single-cycle figure implies.

Ongoing Storage Fees

Once your eggs are frozen, they must be stored in a temperature-controlled cryopreservation facility. Storage fees typically range from $500 to $1,000 per year, depending on the clinic. Patients who freeze eggs in their late 20s or early 30s and do not use them until their late 30s or early 40s may accumulate a decade or more of storage costs — adding $5,000 to $10,000 or more to the total lifetime cost of the process. Some clinics offer multi-year storage packages at a discounted rate, which is worth asking about at your initial consultation.

A realistic budget accounts for both phases: the upfront cycle costs and the ongoing storage commitment. We walk patients through long-term cost projections before a cycle begins — not after eggs are already frozen.

Number of Required Cycles

The number of mature eggs retrieved per cycle varies significantly based on age and ovarian reserve. Younger patients with strong ovarian reserve may retrieve 15 or more mature eggs in a single cycle, potentially meeting their target in one attempt. Patients over 35, or those with diminished ovarian reserve, typically retrieve fewer eggs per cycle and may require two or more retrievals to reach a clinically meaningful number.

Your anti-Müllerian hormone (AMH) level and antral follicle count (AFC) — assessed during your initial evaluation — are the most predictive indicators of how many eggs you are likely to retrieve per cycle. We use those results to set realistic expectations before you begin, so your budget reflects the actual number of cycles your clinical profile suggests, not an optimistic single-cycle scenario.

Multiple cycles are common. Patients over 35, those with lower ovarian reserve, or anyone aiming for a higher egg bank (roughly 20 or more mature eggs) should factor the possibility of two or more retrievals into their planning from the start.

The Cost of Using Your Eggs

Most cost conversations focus on the freezing phase — but the full financial picture only becomes clear when you account for what happens when you return to use your eggs. This second phase involves a complete IVF process: thawing the eggs, fertilizing them via intracytoplasmic sperm injection (ICSI), growing embryos in the lab, and transferring an embryo into the uterus. Each step adds cost, and none are optional.

Preimplantation genetic testing. Preimplantation genetic testing (PGT) screens embryos for chromosomal abnormalities before transfer and can add several thousand dollars to the cycle cost. Its cost-effectiveness depends on the clinical scenario; your physician can help you determine whether it is indicated for your situation.

Multiple transfers. A single transfer does not always result in a live birth. Many patients require more than one attempt, which compounds the total investment. Fertility care costs are best understood per successful outcome — cost per live birth — rather than per cycle. When all phases are combined (freezing, storage, and eventual IVF), the total cost to a successful pregnancy is often significantly higher than the initial egg freezing price alone.

Insurance Coverage for Egg Freezing in New Jersey

Elective vs. medically necessary freezing. Most standard insurance plans do not cover elective egg freezing done for personal or family planning reasons. Medically necessary fertility preservation — such as egg freezing before chemotherapy, radiation, or other treatments that may impair fertility — is covered under insurance mandates in a growing number of states. New Jersey has fertility insurance laws that include provisions for medically necessary preservation, making it worth a detailed conversation with your insurer if you are freezing for a medical reason.

The 2024 NJ mandate expansion. New Jersey’s 2024 mandate expansion extended IVF coverage to group plans with 50 or more employees, covering up to four egg retrievals per lifetime and removing prior restrictions based on age or sexual orientation. This expansion applies to IVF broadly and may benefit patients pursuing fertility preservation as part of a broader treatment plan. Coverage still varies by individual plan; our Insurance and Financial Resources page provides a detailed overview, and our bilingual Insurance Verification Specialist can review your specific benefits before your first appointment.

Employer benefits. A growing number of large employers — particularly in tech, finance, and healthcare — now offer egg freezing coverage through fertility benefits platforms such as Progyny or WINFertility. If your employer offers these benefits, elective freezing may be fully or partially covered. HSA and FSA funds can also be applied to medically indicated egg freezing in many cases; your benefits administrator can confirm what your specific account covers.

Financing. For patients without insurance or employer coverage, CapexMD financing is available with 24-hour pre-approval. Third-party fertility-specific loans are also available through lenders such as Future Family.

Frequently Asked Questions

1. What is the average total cost of egg freezing in New Jersey? Most patients in the NJ/NYC metro area pay between $10,000 and $20,000 per cycle including medications. Annual storage fees of $500–$1,000 are additional. Patients who require multiple cycles will pay proportionally more. Our Insurance and Financial Resources page outlines coverage options that may reduce out-of-pocket costs.
2. Are medications included in the quoted egg freezing price? Typically no. Medications are billed separately through a specialty pharmacy and generally add $3,000–$6,000 to the base procedure fee. Always confirm what is included in a clinic’s quoted price before comparing costs across practices.
3. Does New Jersey insurance cover egg freezing? Elective egg freezing is not mandated under most NJ plans. Medically necessary preservation — such as before cancer treatment — may be covered. The 2024 NJ mandate expansion extended IVF coverage to group plans with 50 or more employees; contact your insurer directly to confirm your specific plan’s fertility preservation benefits, or speak with our Insurance Verification Specialist before your consultation.
4. Can I use my HSA or FSA for egg freezing? In many cases, yes — particularly when egg freezing is medically indicated. Elective freezing may or may not qualify depending on your plan’s rules. Your HR department or benefits administrator can confirm what your specific account covers.
5. How much do egg freezing medications cost? Fertility medications for an egg freezing cycle typically cost between $3,000 and $6,000, depending on the protocol and your ovarian response. Patients with lower ovarian reserve may require higher doses. Ask at your consultation whether specialty pharmacy relationships or assistance programs are available to help reduce medication costs.
6. What financing options are available for egg freezing? CapexMD financing is available with 24-hour pre-approval. Third-party fertility-specific loans through lenders such as Future Family are also an option. Employer benefits platforms like Progyny or WINFertility may cover elective freezing — check your employee benefits summary for details.

Egg Freezing at Damien Fertility Partners

Cost transparency is a standard part of every consultation we conduct. Before you begin, we provide a personalized breakdown of expected costs based on your evaluation results — including medications, realistic cycle estimates, and storage projections. There are no surprise fees after the fact.

Dr. Miguel Damien — board-certified in REI by the American Board of Obstetrics and Gynecology, trained at Dartmouth Medical School, and fellowship-trained at Harvard Medical School and the University of Connecticut — has led our fertility preservation program since 1989. Dr. Perlman is also board-certified in REI and sees patients across all three offices, with virtual consultations available.

Our nurse practitioners, Katherine Mendez, NP, and Elizabeth “Liz” Piercy, NP, are also available for consultations and play an active role in supporting patients through the egg freezing process. 

Our laboratory holds accreditation from the College of American Pathologists, the FDA, and the NJ State Department of Health — with zero deficiencies. When you freeze eggs with us, they are stored in a CAP-accredited facility and monitored using the same laboratory standards that support our IVF outcomes — including CHLOE by Fairtility, our AI-powered embryo assessment system in embryoscope time-lapse incubators, which supports embryo evaluation when you return to use your eggs.

Request a consultation with Dr. Damien or Dr. Perlman or one of our nurse practitioners at our Shrewsbury, Newark, or Jersey City offices — or virtually with Dr. Perlman — to receive a personalized cost estimate and discuss whether egg freezing is the right step for you. Schedule your appointment here or call (732) 758-6511.