As some companies add egg-freezing to their list of fertility benefits, they’re touting the coverage as a family-friendly benefit. Women’s health advocates say they welcome any expansion of fertility coverage. But they say that the much publicized changes at high-profile companies, including Facebook and Apple, are still relatively rare, even for women with cancer and other serious illnesses who want to preserve their fertility.
News stories about company-paid egg-freezing for female employees have focused on whether the benefit truly gives women and men more options for balancing work and family life, or instead sends a message that they’re expected to put off having a family if they want to get ahead on the job.
But that is not the main concern for some women who, because of illness or age, are worried that time is running out for them to have children. After their mid-30s, women can carry a pregnancy, but their eggs are less viable. Egg-freezing allows women to extend their fertile years.
“I’ve never met anyone who fits the mold of the stereotypical egg-freezer who’s career-mad and waiting for Mr. Right,” says Brigitte Adams, 42, who became the face of oocyte cryopreservation, as egg-freezing is called, when Bloomberg BusinessWeek put her on its cover for a story. “A lot of women will tell you, ‘I didn’t expect to be here. I just want the possibility of having a child.’”
Adams is one of those women. Divorced in her mid-30s, she froze her eggs three years ago, paying for the $12,000 egg-retrieval procedure with personal savings and help from her parents. Adams pays $300 annually to store her eggs, and she’s pondering becoming a single mother. Her marketing job at a tech start-up in Los Angeles doesn’t provide coverage for egg-freezing and storage or the in vitro fertilization that will be required if she decides to go ahead.
Adams is keenly aware that there is no guarantee that the 11 eggs she’s storing will result in a pregnancy. “It’s not a silver bullet,” Adams says, “but it gave me the sense I’d done everything I could, and that has helped me tremendously to just move on.”
Two years ago, the American Society for Reproductive Medicine declared that it no longer considered egg-freezing to be experimental. Research shows that fertilization and pregnancy rates using frozen eggs are similar to those using fresh eggs, and children born using frozen eggs don’t have higher levels of chromosomal abnormalities or birth defects, the ASRM said in its revised practice guideline.
Yet insurance coverage for egg-freezing and other infertility treatments remains spotty, says Richard Reindollar, ASRM’s executive director. “Of all the disease processes, insurance coverage is available for essentially all of them, but not for infertility,” he says.
America’s Health Insurance Plans hasn’t surveyed insurers specifically about egg-freezing coverage, says Susan Pisano, a spokewoman for the trade group. She said, however, that her understanding is that many plans cover egg-freezing when there’s a diagnosed fertility problem or when an individual is at risk for infertility because of such treatments as radiation therapy or chemotherapy. Coverage for nonmedical reasons is much less common, Pisano says.
Roughly one-third of companies with 500 or more workers provide no coverage for infertility services, according to benefits consultant Mercer’s annual survey of employer health benefits. High-tech companies are more likely to cover fertility services than other firms, according to Mercer. Forty-five percent of high-tech companies cover in vitro fertilization, and 27 percent cover other advanced reproductive procedures such as egg-freezing, for example. The comparable figures for non-high-tech companies were 26 percent and 14 percent, respectively.
In January, Facebook began offering up to $20,000 in egg-freezing coverage for medical or nonmedical reasons for its U.S. employees, a company representative confirmed.
“Silicon Valley is probably leading the way (in coverage for egg-freezing) since competition is fierce and companies are always looking for ways to attract recruits,” says Dan Bernstein, a senior consultant at Mercer’s San Francisco office.
Some fertility clinics and companies such as EggBanxx are stepping in to offer package deals and financing options. At EggBanxx, which opened for business in May, women can get a discount on egg-retrieval and one year of storage, and some may qualify for a loan to finance the cost, says Jennifer Palumbo, vice president of patient care.
“Insurance would typically cover the consultation, diagnostic testing and some medications,” she says, “but not the retrieval and not the freezing.”
Infertility advocates would like to see more companies adopt egg-freezing policies, especially for women who are likely to become infertile as a result of chemotherapy.
“I think it’s amazing for people at these companies, but can we also get this covered for women with cancer?” says Barbara Collura, president and chief executive of Resolve, an infertility advocacy group.