What's Covered
The following services are covered up to a $30,000 total lifetime benefit maximum:
- Artificial insemination / intrauterine insemination under medical supervision
- Advanced reproductive technologies:
- In-Vitro Fertilization
- Reciprocal IVF is covered if the patient receiving treatment is an eligible member and is enrolled in the program with WINFertility
- Frozen Embryo Transfer
- Cryopreservation for the following:
- Blastocysts(s) and embryo(s) from covered IVF cycles. Covered blastocyst and embryo storage is limited to one year.
- All frozen embryos stored after a completed cycle with ovarian stimulation must be utilized prior to coverage availability for another ovarian stimulation cycle. Embryo transfer guidelines per the American Society of Reproductive Medicine should be followed for all embryo transfers (fresh and frozen cycles) and elective single embryo transfer should be utilized when clinically appropriate
- Pathology and laboratory services, including:
- Hormonal assays
- Swimup semen analysis, as appropriate
- Ultrasound exams
- Fertilization and embryo culture
- Ova retrieval
- Embryo, gamete-zygote transfer
- Preimplantation Genetic Testing (PGT)*
- Procurement costs of donor egg and sperm from a Food & Drug Administration (FDA) regulated egg/sperm bank for use with an approved fertility treatment cycle
- Medications necessary for the procedures above, including parenteral injection and oral ovulation induction drugs.
* Preimplantation Genetic Testing for Monogenic/single gene disorders (PGT-M) or Preimplantation Genetic Testing for Structural Rearrangements (PGT-SR) may be covered under your Medical Plan.
Please note: Medically necessary services and/or procedures to assist in the confirmation of the diagnosis of infertility are covered under your Medical plan and do not count towards the Lifetime Maximum of $30,000.