Fertility preservation is not typically covered by Medicare or Medicaid

Although infertility may be caused by risk-reducing surgery or cancer treatment, health insurers do not typically cover fertility preservation or related treatments. Several states have fertility preservation coverage laws that require private individual and group health plans to cover certain fertility services for women and men who will experience “iatrogenic infertility” (infertility caused directly or indirectly by surgery, chemotherapy, radiation or other medical treatment), but most do not apply to individuals with Medicare or Medicaid. 

If you do not have insurance coverage for fertility preservation, you should ask about discounts. Many clinics will provide significant cost reductions for patients who need fertility preservation and related procedures. In addition, some hospitals and adolescent & young adult (AYA) programs have charitable funds available to help offset sperm banking and other fertility preservation costs.

There are also grants and discounts available through established financial assistance programs.