Fertility Solutions

2021 Plan Year Information

Fertility Solutions

Cigna and UnitedHealthcare
For employees Medical Plan participants seeking fertility treatment, Cigna and UnitedHealthcare cover up to 80% of the cost of in-network care, after your annual deductible is met. For participants in the Medical Plan enrolled through Cigna, the Medical Plan covers 60% of the reasonable and customary cost of care provided by out-of-network providers after your annual deductible is met. There is a lifetime maximum benefit of $30,000 for fertility treatment, including both medical care and prescription drugs. You do not need to have a diagnosis of infertility to be covered.

UnitedHealthcare Only
For fertility costs to be covered under the Medical Plan, UnitedHealthcare members are required to receive fertility treatment at a UHC Center of Excellence and enroll in the UHC Fertility Solutions program.

UHC Centers of Excellence ensure best-in-class care from world-class practitioners for specialized health needs, such as fertility treatment. These top-ranked facilities across the country deliver best-in-class results by employing the highest-quality care providers. Clinics meet best-practice criteria based on pregnancy and delivery outcomes, which increases the likelihood of getting pregnant and lowers the likelihood of twins or triplets. Additionally, you’ll work with an experienced fertility nurse who will help you make informed decisions about your health care and answer your questions throughout your fertility treatment.

When using a UHC Center of Excellence and enrolling in the UHC Fertility Solutions program, all related fertility treatments and procedures will be covered at 80% by the Plan after you meet your annual deductible. Any fertility services obtained at a facility that is not a UHC Center of Excellence or by an out-of-network provider will not be covered by UnitedHealthcare, and the participant will be required to pay the full cost of treatment.

See under the Morgan Stanley Medical Plan.

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.


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.