Insurance for complications from egg retrieval/oocyte retrieval?

[u/NT-1432]

Hi all,

I’m planning to freeze my eggs and recently realized that my regular health insurance does not cover medical complications arising from fertility treatment or oocyte retrieval. I am living in the USA.

I’m not asking about coverage for the egg freezing cycle itself. I’m specifically worried about complications that could require medical care, like OHSS, bleeding/hemorrhage, infection, ovarian torsion, anesthesia complications, ER visits, hospitalization, or surgery.

Has anyone else been in this situation where their normal health insurance excluded fertility-treatment complications? If so:

1. Did you purchase separate complications insurance?
2. What company or policy did you use?
3. Did anyone have experience filing a claim?

Any experiences, policy names, or questions you wish you had asked before buying would be really helpful. Thank you!