Connecticut program
Fertility preservation before chemotherapy
A conversation about protecting future fertility before treatment that could affect it.
What it is
A conversation about protecting future fertility before treatment that could affect it.
Some treatments can affect future fertility. What can be offered depends on your child's age and the treatment plan, and the only window is before the treatment that carries the risk. The procedure and the yearly storage are billed separately, so ask the plan about both.
Eligibility rules
- There is no blanket age-12 threshold for discussing fertility preservation. For specified policies from January 1, 2024, medically necessary infertility care cannot use an arbitrary age exclusion. Clinical guidelines can still make age relevant to a specific procedure.
- The oncology and fertility teams assess safe timing and the exact procedure. The insurer confirms policy scope, including any religious exception. State insurance mandates generally do not bind self-funded employer plans.
What you get
- A review of coverage for collecting eggs or sperm before fertility-affecting treatment.
What the help covers
- Medically necessary egg or sperm harvesting can be covered. The insurer separately confirms medicines, anesthesia, tissue procedures, initial freezing, storage duration and family costs in writing. The oncology team separately decides safe treatment timing.
If you decide to apply
- Ask the oncology team whether a fertility-preservation discussion is relevant before the planned treatment.
- Ask the plan for written coverage details and the fertility service for separate collection and storage prices.
Connecticut Insurance Department. 860-297-3900 · Official page ↗
After you apply
- The care team’s assessment and insurer’s written answer clarify what can proceed within the treatment schedule.
Good to know
The clinical window depends on the treatment plan. Storage can create a recurring cost beyond the collection procedure.
Other details
- The Insurance Department contact for coverage questions is 860-297-3900. Age alone does not establish that a procedure is appropriate.
Official sources
“Could treatment affect our child’s future fertility, and is preservation an option? What would the benefits, burdens and costs be, and could you help with a referral and coverage request if appropriate?”
Why I’m asking: I want to understand time-sensitive options without assuming a procedure is right for our child.
More background and detailed requirements
Additional program information and published rules
Who does what
The three parts, side by side. The agency decides; nobody on this page does.
You
Discuss the benefit and tradeoffs with the social worker. Ask the oncology team whether a fertility-preservation discussion is relevant before the planned treatment. Ask the plan for written coverage details and the fertility service for separate collection and storage prices.
Your social worker
The oncology and fertility teams discuss risks, possible options and safe timing.
The care team
The oncology team assesses whether a time-sensitive fertility specialist discussion is appropriate before treatment.
- Who decides
- The plan decides what it covers; the oncology team decides what is possible medically.
- Ask the care team
- “Could treatment affect our child’s future fertility, and is preservation an option? What would the benefits, burdens and costs be, and could you help with a referral and coverage request if appropriate?”
How to apply
First step: Your social worker can help you discuss this route and prepare the request if it fits. Ask the oncology team whether a fertility-preservation discussion is relevant before the planned treatment.
- Ask the oncology team whether a fertility-preservation discussion is relevant before the planned treatment.
- Ask the plan for written coverage details and the fertility service for separate collection and storage prices.
- Ask the care team to explain safe timing separately from the insurer’s payment decision.
Official application / program page ↗
Where it starts: Ask the oncology team whether preservation is possible and worth doing, then ask the plan what it covers and what storage costs.
What to gather
- The plan's written answer on what is covered
- The annual storage price
How long: It has to happen before intensive treatment starts, so the window is set by the treatment plan.
What a yes looks like
The insurer confirms which specific procedures are covered and the family costs; the care team separately confirms the clinical plan.
What a no looks like, and the next move
Ask the plan which rules it follows and whether it is insured or self-funded, then call 860-297-3900.
Watch out
- A harvesting benefit does not settle freezing, tissue procedures, storage or cost sharing.
- Age alone does not justify delaying a fertility discussion until after treatment.
- The insurer confirms a written benefit breakdown while the oncology team decides safe timing.
Dates that change this
2026-09-11: The 2019 CID bulletin addresses egg and sperm harvesting. Current policy scope, tissue procedures, freezing, storage and costs need a separate written decision; age alone does not close the clinical discussion.
The numbers and the rules
The arcane layer, kept on purpose. Checked September 11, 2026.
What it is worth
Medically necessary egg or sperm harvesting can be covered; the insurer separately confirms other preservation services and costs.
Legal protection: Specified Connecticut-regulated policies cover medically necessary infertility care without an arbitrary age exclusion; clinical criteria and policy exceptions still apply.
What it costs the family: The insurer confirms cost sharing and coverage of collection, medicines, anesthesia, tissue procedures, freezing and storage for the exact policy.
The eligibility facts, as published
- Age
- No blanket age-12 threshold; clinical guidelines govern procedure suitability, and specified policies prohibit arbitrary age exclusion.
- Income
- no income test
- Insurance status condition
- Specified Connecticut-regulated insured policies; insurer/CID confirms scope and exceptions. Most self-funded employer plans are outside state mandates.
- Residency
- Connecticut
- Processing standard
- not applicable
Decisions this site cannot make: The plan applies it
Expect friction on: The oncology team decides whether it is possible before treatment starts
The trap: The clinical window depends on the treatment plan. Storage can create a recurring cost beyond the collection procedure.
Where I read this
- Connecticut Insurance Department Bulletin HC-125 (March 19, 2019) — fertility preservation — Connecticut Insurance Department, read September 10, 2026
- Connecticut Insurance Department — health care bulletins index — Connecticut Insurance Department, read September 10, 2026