Fertility and Family Planning Benefits

2020 Plan Year Information

Fertility Benefits

The Firm covers fertility services up to a lifetime maximum of $30,000 for any employee or dependent enrolled in the Morgan Stanley Medical Plan through Cigna or UnitedHealthcare (UHC) – regardless of infertility diagnosis. The benefit covers medical and prescription drug expenses and includes a variety of fertility treatments, including IVF and egg freezing (storage covered for 12 months).

Cigna and UHC cover up to 80% of the cost of in-network fertility-related care, after your annual deductible is met.

For participants in the Medical Plan covered through Cigna, the Plan covers 60% of the reasonable and customary cost of care provided by out-of-network providers after your annual deductible is met.

For participants in the Medical Plan covered through UHC, you must enroll in the UHC Fertility Solutions program to receive coverage. Upon enrollment in the program, you will have access to care from a specialized fertility Center of Excellence. The program is designed to help you maximize your fertility benefit and select effective treatment options. You may contact the Fertility Solutions team at 1-866-774-4626 to identify a network facility from which you may receive treatment or for assistance negotiating payment with an out-of-network provider. Certain exclusions for infertility treatments may apply.

Family Planning Benefits

Adoption Assistance Program

The Firm is pleased to support parents welcoming an adopted child into the family. The Adoption Assistance Program reimburses certain qualified adoption-related expenses for eligible employees, and is available in addition to other benefits and resources such as Paid Parental Leave and back-up day care.

HOW IT WORKS
Employees who have completed a qualifying adoption and submit an Adoption Assistance Program Application for Reimbursement within six months following the date the adoption is finalized (and before an employment termination date, if applicable) are eligible to receive a lump-sum payment up to $10,000 per adopted child to pay for certain adoption-related expenses. Reasonable and necessary qualified adoption-related expenses include, but are not limited to:

Adoption fees

Surrogacy Assistance Program

Recognizing that there are many ways to grow your family, the Firm has introduced the Surrogacy Assistance Program to reimburse employees up to $10,000 of surrogacy-related medical expenses per child.

HOW IT WORKS
Employees who have completed a qualifying surrogacy and submit a Surrogacy Assistance Program Application for Reimbursement within six months following the birth of the child (and before an employment termination date, if applicable) are eligible to receive a lump-sum payment up to $10,000 per child, to pay for certain surrogacy-related expenses. Because surrogacy laws vary state-by-state, eligible surrogacy-related expenses will be limited to qualifying medical expenses paid on behalf of the surrogate mother.

Note for parents intending to adopt a child born via surrogacy: If you plan to legally adopt the child born of a surrogate mother, you will be eligible for one $10,000 reimbursement.

See the Adoption and Surrogacy Assistance SPD.

Additional family planning benefits include:

  • Paid Parental Leave Checklist
  • Maternity Support Programs
  • Newborn care, CPR, Care Seat Safety and Lactation Classes
  • Lamaze Classes