Members can use the family planning coverage to help manage the costs of fertility services for themselves, their dependants, or a surrogate.
Coverage Includes:
Physician and Diagnostic Services
Physician block and monitoring fees for fertility treatments.
Medical imaging, including ultrasounds, nuchal translucency ultrasound, Spindleview, embryoscope, Matris test, non-invasive analysis of embryo culture media, and sonohysterogram.
Diagnostic Testing for Gestational Carriers
Prenatal screening.
Endometrial Receptivity Analysis (ERA).
FSH and AMH testing.
Egg, Sperm, and Embryo Services
Retrieval and Storage: Coverage for retrieval procedures (including PESA, MESA, TESE, and Micro TESE), as well as thawing, transfer, and storage fees.
Egg Donor Programs: Coverage for egg donor programs.
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 (standard, natural, stimulated, antagonist, and reciprocal), 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.
In-Vitro Maturation.
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.
Products of conception analysis.
Sperm chromatin assay and DNA fragmentation testing.
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, including drug expenses for the surrogate. A copy of the surrogacy contract is required.
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 are covered separately under Drug Coverage, with a lifetime maximum of $10,000 for fertility medications. This maximum is separate from the family planning maximum.
*Note: Refer to the booklets for detailed information, exceptions, and conditions for availing these benefits.