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What's Not Covered

The following services are not covered:
  • Donor expenses for donated oocytes or sperm, including all medical expenses, travel expenses, agency, laboratory and donor fees, psychological screening, FDA testing for the donor and partner, genetics screening and all medications for the donor (e.g. suppression medications, stimulation medications)
  • Surrogacy expenses
  • Services requested which are not medically appropriate, as determined by WINFertility in its sole discretion
  • Elective egg freezing
  • Cryopreservation of sperm or oocytes prior to gender reassignment
  • Embryo adoption
  • Services not specifically listed as covered in this benefit
  • At-home inseminations
  • Fertility services for an eligible member who has a diagnosis of medical infertility