decorative photograph

Fertility Benefits Highlights

parents@jpmc is your central online resource for information about expanding your family, parental leave and support for working parents. From parents@jpmc you can learn more about the fertility benefit available.
U.S. benefits-eligible employees who have completed the Introductory Period and their covered spouses/domestic partners are eligible for fertility benefits only if they meet the following requirements:
  • The person receiving the fertility services is enrolled in the JPMorgan Chase U.S. Medical Plan
  • The person receiving the fertility services and their partner (if applicable and clinically linked to the fertility treatment) have not received a medical diagnosis of infertility
  • The person receiving the fertility services has enrolled with WINFertility, the administrator of fertility benefits
  • The expenses are incurred while the person receiving the fertility services was enrolled in the Medical Plan
Note: If a medical diagnosis of infertility is determined, the person receiving the fertility services may qualify for infertility benefits under the JPMorgan Chase U.S. Medical Plan in lieu of this fertility benefit. If, during the course or treatment, it is determined that there is a medical diagnosis of infertility, WINFertility will transfer you to your JPMorgan Chase U.S. Medical Plan health care company to utilize the infertility benefit.
You Must Enroll
To be eligible for benefits from the Program, you must enroll by calling WINFertility and complete a consultation with a WINFertility Nurse Care Manager. If you do not call and complete a consultation, you will not be eligible for benefits and you will not be eligible for reimbursement for fertility services incurred prior to enrollment.
Covered Services
Examples of fertility services that are covered include, but are not limited to, the following if performed on the individual enrolled in the U.S. Medical Plan:
  • Intrauterine insemination (IUI);
  • In vitro fertilization (IVF);
  • Medications associated with an approved IUI or IVF cycle. For more details on the covered services and the exclusions, see "What's Covered" and "What's Not Covered."
WINFertility Network
WINFertility has a network of providers that feature credentialed reproductive endocrinologists and associated clinical staff, and has negotiated competitive pricing across this network.
If you use an in-network WINFertility provider, you will have the associated costs automatically processed by WINFertility as the services are received, up to the lifetime maximum. This means you won't have to pay out-of-pocket at the time of service and will not have to submit claims for reimbursement. Ancillary services prescribed by the WINFertility provider to outside labs, facilities, or providers may not be payable directly by WINFertility, but would be eligible for reimbursement.
If you use an out-of-network provider, you will pay for those services out-of-pocket and then submit a request for reimbursement to WINFertility. Claims must be submitted within six months of when the expenses are incurred.
Lifetime Maximum Benefit
The Program provides benefits for covered services, up to a per-person lifetime maximum of $30,000 in benefits for medical and prescription drug costs.