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Family Planning Benefit | 60+ Plan

Full-spectrum fertility coverage, including treatments, medications, and preservation options.

Coverage Includes:


Physician and Diagnostic Services


  • Includes physician fees, consultations, monitoring for fertility treatments, and diagnostic tests such as ultrasounds and blood tests.

  • Prenatal screening and diagnostic imaging for gestational carriers.


Egg, Sperm, and Embryo Services


  • Egg Retrieval and Storage: Coverage for egg retrieval procedures, as well as storage and thawing of eggs and embryos.

  • Sperm Function Testing: Includes sperm selection, washing, and preparation for fertility treatments like IVF.

  • Embryo Storage: Includes the storage of embryos created through assisted reproduction techniques.


Fertility Procedures


  • In Vitro Fertilization (IVF): Coverage for IVF treatments, including procedures like ICSI (intracytoplasmic sperm injection) and Assisted Hatching.

  • Intrauterine Insemination (IUI) and Artificial Insemination (AI): Coverage for these fertility treatments, which may be necessary before pursuing IVF.


Genetic Testing


  • PGT-A, PGT-M, and PGT-SR (Preimplantation Genetic Testing): Coverage for genetic testing of embryos for chromosomal abnormalities, monogenic diseases, and structural rearrangements.

  • Endometrial Receptivity Analysis (ERA): Testing to determine the optimal timing for embryo transfer during IVF.


Fertility Preservation


Cryopreservation: Coverage for the freezing and storage of eggs, sperm, or embryos for future use, ideal for those undergoing treatments like chemotherapy or radiation therapy that may affect fertility.



Surrogacy Coverage:


Medical Costs


Includes coverage for medical procedures related to surrogacy, including the fertility treatments for both the intended parents and the surrogate.


Surrogate Expenses


Costs related to the care and medical procedures for the surrogate are covered under the plan, provided a legal contract is in place.



Lifetime Maximum Coverage:


The lifetime maximum for all fertility- and surrogacy-related expenses is $25,000. This includes services such as IVF, fertility drugs for a surrogate, genetic testing, surrogacy-related medical costs, and more.


Fertility Drugs: Fertility drug expenses for the member are covered separately under Drug Coverage, with a lifetime maximum of $10,000 for fertility medications.



*Note: Refer to the booklets for detailed information, exceptions, and conditions for availing these benefits.

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