Fertility solutions are available if your healthcare provider diagnoses you with infertility. These services include but are not limited to, assisted reproductive technologies (ART), frozen embryo transfer cycles, intracytoplasmic sperm injection (ICSI), and insemination procedures such as artificial insemination (AI) and intrauterine insemination (IUI).

Surrogacy (including implantation): Adoption and surrogacy reimbursement programs reimburse up to $50,000, cumulative lifetime maximum, for eligible expenses associated with the adoption of a minor child and the birth of a child through surrogacy. The cumulative lifetime maximum includes reimbursement amounts received through either program without regard to the number of children.
Note: In order for surrogacy expenses to be reimbursed, the surrogacy arrangement, procedure, and birth must be based in an eligible United States jurisdiction (and in a jurisdiction where surrogacy is not otherwise prohibited).

Donor and fertility preservation coverage includes medical expenses related to and the prescription drugs associated with donor collection and preparation of ovum and/or sperm. These services are available to females without a male partner and males without a female partner. Additionally, fertility preservation is available for medical reasons when cancer or other medical treatments are likely to produce infertility/sterility.