Family Building Benefit
The Medical Plan provides Family Building benefits with lifetime limits.
There is a $10,000 lifetime maximum for Family Building Benefits for both in-network and out-of-network care provided by the Medical Plans ($35,000 for both in-network and out-of-network care if you and/or your covered dependent contact WINFertility and complete a nurse consultation). Family Building Benefits include:
- Fertility treatments such as in vitro fertilization (IVF) and intrauterine insemination (IUI), whether or not you have a medical diagnosis of infertility
- Elective fertility preservation (egg and sperm freezing with 12 months of storage)
- Associated prescription medications.
There is a separate $15,000/lifetime prescription drug benefit. For additional information on Family Building benefits see "The Prescription Drug Plan."
These are lifetime limits and will carry over across healthcare companies and from prior JPMorganChase plans.
Amounts paid by the Plan (not your out-of-pocket expenses) apply to the lifetime Family Building benefit maximum.
Under the Medical Plan, cost share will be assessed based on the type and setting of the service you receive. For instance, a visit with a reproductive endocrinologist will be assigned a specialist copay, while in-vitro fertilization might be subject to deductible and coinsurance.