Fertility benefits are the new “non-traditional” coverage area experiencing substantial growth as a sought-after employee benefit. According to the Pew Research Center, 42% of women have received some type of fertility treatment or know someone who has. Similar to other health conditions, the out-of-pocket costs associated with family planning care can reach tens of thousands of dollars, putting the services out of reach for many. Fertility benefits provide meaningful coverage that is relevant to a large population of the workforce, and interest is growing.
Benefits covering fertility issues can be structured in different ways, including as a covered condition of critical illness benefits. Members can file a claim for medical services like invitro, prenatal care, neonatal care, or adoption/other alternative options. Critical illness is a supplemental health benefit, offering the member a lump sum payment to help cover the costs of care or other expenses they may encounter while managing their health condition.
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