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.

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