Fertility benefits

What you need to know

Get help with services such as egg freezing, IVF, and pre-implantation genetic screening through Progyny.

Fertility treatment. It can be complicated, emotionally draining, expensive—especially if things don’t go as you hope. UnitedHealthcare members have another resource to navigate this very personal journey: Progyny—a fertility services provider that uses a preferred network to deliver positive results for families while reducing their risk of multiple births.

Get started

To begin treatment, call Progyny at 833-838-5850.

Precertification is not required, and doctors have the flexibility to provide the most effective treatment the first time.

Once you’ve met your UnitedHealthcare plan deductible, authorized fertility services will be covered at 90%. This means you’ll pay 10% of the cost until you reach your out-of-pocket maximum using Progyny’s preferred network.

Watch a short video about Progyny fertility benefits.

What does Progyny cover?

Patient concierge: included 

Fertility lifetime maximum: 2 Smart Cycles

Surrogacy counseling: included

Egg and sperm freezing: included for 1 year

Pre-implantation genetic screening (PGS): included

Adoption reimbursements: $10,000

Surrogacy: $10,000

Pharmacy: $20,000

Pharmacy benefit is provided by CVS/caremark. Contact Progyny at 833-838-5850 for questions. Note: Fertility medications are not covered at out-of-network (OON) pharmacies.

Provider contact information

What is a Smart Cycle?

A Smart Cycle is a complete set of fertility treatments for in vitro fertilization (IVF), fertility preservation (egg/sperm freezing), or intrauterine insemination/artificial insemination (IUI). Coverage for each Smart Cycle includes the consultation, diagnostic testing, monitoring and management of the fertility care, preimplantation genetic screening, intracytoplasmic sperm injection (ICSI), embryo cryopreservation, one year of embryo or semen storage, anesthesiology, personalized member education, and concierge service from a Progyny Patient Care Advocate (PCA).

There is a lifetime maximum of two Smart Cycles, but there is no benefit dollar limit. Each Smart Cycle covers diagnostic tests and technologies that are normally paid out of pocket by you.

What if I’m currently receiving fertility treatment?

Call Progyny at 833-838-5850 to speak to a Patient Care Advocate (PCA) who can assist you. PCAs are available Monday through Friday, 6:00 a.m.–6:00 p.m. PT. Your PCA can also help you locate in-network providers for fertility care.