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Oocyte Cryopreservation denials: what the review data shows

Independent reviewers have decided 13 published cases where an insurer denied Oocyte Cryopreservation — and they overturned the insurer 84.6% of the time. A denial for Oocyte Cryopreservation is a starting position, not a final answer.

Published decisions
13
2001–2026
Overturned
84.6%
11 denials reversed

Conditions behind oocyte cryopreservation denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Breast Cancer5
100%
Typical time to a decision
20 days
Most land between 15 and 22 days
Handled as urgent
7.7%
Expedited when a delay would cause harm
What the reviewers wrote
Excerpts from the independent reviewers’ published findings — the actual reasoning, quoted, not summarised.

Where the denial was overturned

Nature of Statutory Criteria/Case Summary: The patient has requested reimbursement for fertility preservation services for treatment of the enrollee’s risk for iatrogenic infertility secondary to breast cancer treatment. Findings: The physician reviewer found that female patients undergoing chemotherapy, surgery and/or radiation treatment for cancer may experience serious gonadotoxicity. The extent of ovarian damage is dependent on the type of treatment as well as the age at the time of treatment. As the treatments for malignancies in females continue to improve their survival rates, increasing numbers of patients may seek preservation of their fertility. Reducing the radiation dose to the ovary by shielding or surgically removing the ovaries from the field of radiation may preserve ovarian function.
Medical Necessity · 2017 · IMR MN17-27049
Nature of Statutory Criteria/Case Summary: Case Summary: A patient who was diagnosed with an unresectable Stage 2 perihilar cholangiocarcinoma, bile duct cancer. The treatment discussed includes possible chemotherapy with radiation and evaluation for liver transplant. The patient began evaluation for egg preservation and underwent in vitro fertilization, specifically ovarian preservation in which seven mature oocytes were successfully retrieved and stored.
Medical Necessity · 2019 · IMR MN19-30455

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Findings: The physician reviewer found that a patient has requested authorization and coverage for oocyte cryopreservation, including reproductive endocrinology visits; ovarian stimulation medications (gonadotropins), gonadotropin-releasing hormone (GnRH) antagonist/agonist, ovulation trigger [human chorionic gonadotropin (hCG) or GnRH-analogue]; monitoring labs and ultrasounds; transvaginal oocyte retrieval with anesthesia; embryology services (oocyte identification vitrification/cryopreservation); initial storage (12 months); related laboratory fees and infection screening. There is a lack of scientific data showing that certain medications cause iatrogenic infertility and that other medications affects fertility in men or women without diabetes. Per the medical records, the patient has diagnoses of immunoglobulin A (IgA) nephropathy and chronic kidney disease.
Medical Necessity · 2025 · IMR MN25-45991
Nature of Statutory Criteria/Case Summary: The parent of an enrollee has requested cryopreservation of oocytes for treatment of the enrollee's medical condition. Two physician reviewers found that upon review of the submitted documentation, it is not clear that the patient has expressed a desire to procreate in the future and/or to preserve his fertility via cryopreservation of oocytes. While the clinical documentation provided discusses the patient’s desire to transition to the male gender by pursuing hormonal therapy and breast removal surgery, there is no evidence the patient has discussed the issue of fertility preservation with his providers.
Experimental/Investigational · 2015 · IMR EI15-20978

Figures and quotations on this page come from 42,749 published decisions in the California DMHC Independent Medical Review dataset. These are California outcomes — every state runs an equivalent external review, but the rates here are California’s. Excerpts are quoted verbatim from the public record and describe this treatment generally, not any individual case.

How to use this in your appeal

These are outcomes from California’s external review program — an independent physician panel that binds the insurer. Every state has an equivalent process, and internal appeals succeed even more often. Cite the outcome record for Oocyte Cryopreservationwhen you appeal: reviewers routinely find that denials like yours didn’t hold up.

SOURCE: CALIFORNIA DMHC INDEPENDENT MEDICAL REVIEW OUTCOMES (CHHS OPEN DATA) · DERIVED AGGREGATE STATISTICS ONLY · METHODOLOGY

Not legal or medical advice. Coverage Rights is a self-help tool that helps you prepare your own appeal. For advice about your specific situation, talk to a licensed attorney or your doctor.

Denied Oocyte Cryopreservation? 84.6% got it reversed.

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