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
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.
FSH and AMH testing, and products of conception analysis.
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.
Egg Donor Programs: Coverage for egg donor programs.
Retrieval Procedures: Including PESA, MESA, TESE, and Micro TESE.
Sperm Testing: Including sperm chromatin assay and DNA fragmentation testing.
Fertility Procedures
In Vitro Fertilization (IVF): Coverage for IVF treatments — standard, natural, stimulated, antagonist, and reciprocal — including procedures like ICSI (intracytoplasmic sperm injection), assisted hatching, and in-vitro maturation.
Intrauterine Insemination (IUI)Â and Artificial Insemination (AI): Coverage for these fertility treatments, which may be necessary before pursuing IVF.
Genetic Testing
PGT-A, PGT-M, and PGT-SRÂ (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
Surrogacy expenses are covered, 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 for the member are covered separately under Drug Coverage, with a lifetime maximum of $10,000Â for fertility medications.
*Note: Refer to the booklets for detailed information, exceptions, and conditions for availing these benefits.