• ovulation induction
  • fertility medications (even if not included in prescription plan)
  • unlimited Intrauterine Insemination (IUI)
  • Up to 4 completed egg retrievals for In Vitro Fertilization (IVF)
  • IVF + ICSI, assisted hatching, GIFT and ZIFT
  • egg donor or gestational carrier procedures related to IVF


  • Those who have undergone elective sterilization procedures such as tubal ligation or vasectomy
  • Compensation paid to egg donors or gestational carrier recruiting agencies
  • Experimental treatments
  • Non-medical costs such as ovulation and sperm testing kits