MMC Benefits Handbook
Reproduction
The following fertility treatment-related services:
  • All charges associated with a gestational carrier program for the person acting as the carrier, including but not limited to, fees for laboratory tests.
  • All costs associated with surrogate parenting including, but not limited to, donor oocytes (eggs), donor sperm and host uterus.
  • Assisted Reproductive Technology procedures done for non-genetic disorder sex selection or eugenic (selective breeding) purposes.
  • Cloning.
  • Cryopreservation and other forms of preservation of reproductive materials except as described under Fertility Treatment. This exclusion does not apply to short-term storage (less than one year) and retrieval of reproductive materials for which Benefits are provided as described under Fertility Preservation for Iatrogenic Infertility and Preimplantation Genetic Testing (PGT-M and PGT-SR) and Related Services.
  • Long-term storage (greater than one year) of reproductive materials such as sperm, eggs, embryos, ovarian tissue and testicular tissue.
  • Donor services and non-medical costs of oocyte or sperm donation (e.g., donor agency fees).
  • Embryo or oocyte accumulation, defined as a fresh oocyte (egg) retrieval prior to the depletion of previously banked frozen embryos or oocytes (eggs).
  • Natural cycle insemination in the absence of sexual dysfunction or documented congenital or acquired cervical disease or mild to moderate male factor.
  • Ovulation predictor kits.
  • Reversal of voluntary sterilization.
  • Infertility treatment with voluntary sterilization currently in place (vasectomy, bilateral tubal ligation).
  • Infertility treatment following unsuccessful reversal of voluntary sterilization.
  • Infertility Treatment following the reversal of voluntary sterilization (tubal reversal/reanastomosis; vasectomy reversal/vasovasostomy or vasoepididymostomy).
  • Pre-implantation Genetic Testing for Aneuploidy (PGT-A) used to select embryos for transfer in order to increase the chance for conception.
  • Services for partners, spouses, and the maternity expenses of gestational carriers not covered by the Surest Plan.
  • Treatments considered Experimental by the American Society of Reproductive Medicine.