Is Embryo Storage FSA Eligible?

A flexible spending account (FSA) can be used for medical expenses qualified as health maintenance or preventative care. Suppose you want to undergo in vitro fertilization (IVF) and store your embryos. This can get confusing, as fertility care falls into a gray area and isn't typically covered by standard insurance plans. Whether you’re considering IVF or have already taken the first steps with your fertility clinic, it’s important to understand your potential benefits, so you can worry less about finances and focus on growing your family.

Fertility Care and FSA Eligibility

Certain fertility treatments may be eligible for FSA reimbursement, such as intrauterine insemination (IUI), IVF, and temporary storage of eggs or sperm. In most cases, healthcare expenses related to long-term embryo storage aren’t covered under an FSA, as they aren’t considered part of an immediate medical need to conceive. However, if you’re storing embryos due to a recent diagnosis of a condition that can impact fertility, such as cancer, there may be more financing options available to you. It’s important to check with your FSA administrator about whether or not a specific fertility treatment is covered under your plan as a qualified medical expense.

Embryo Storage Costs

Embryo storage costs can vary depending on the facility and length of storage. If you decide to store your embryos for a year or longer, long-term storage costs can range from a few hundred dollars to thousands of dollars annually. At HavenCryo, we charge $395 for one year of embryo storage, and that number increases to $2,400 for 10 years or more. You can use our calculator tool to estimate your specific long-term storage costs.

Learn More About Long-Term Embryo Storage

While embryo storage may not always be FSA eligible, storing reproductive materials at a long-term storage center like HavenCryo is more affordable than storing them at a fertility clinic, where storage space is at a premium. At HavenCryo, we provide the safety and security that you’d expect from a fertility clinic with the added benefits of being designed specifically for long-term storage. Contact us today for more information or to get started.