Because of this, even if a trans person did have infertility treatment coverage, they wouldn’t be able to qualify as “infertile” to use it, making all treatments out-of-pocket. Egg freezing can cost as much as $15,000, though sperm banking tends to cost no more than $1,000.
Daniels was dismayed to find that he had no health insurance coverage whatsoever for the costs.
“I sat on the phone for hours trying to file a claim because, at that time, the [Affordable Care Act] had kind of said you had to cover trans-related procedures,” he said. “They were refusing to cover pretty much anything.”
Thankfully, Daniels’ mom, who had initially raised the question about grandchildren, gave him and his partner $12,000 to cover the cost of the egg freezing. She later gave the couple another $8,000 to cover the cost of donor sperm and embryo implantation.
“I am privileged, and I recognize that privilege,” Daniels said. “I know how hard it is for people to realize that they will not be able to have their own genetic child unless they can afford egg retrieval or decide to carry the baby themselves.”