A health care professional must provide evidence of medical necessity for the cost of Artificial Reproductive procedures to be an eligible medical expense. Include evidence of medical necessity by providing a Letter of Medical Necessity (LMN) that specifically identifies the recommendation and expense is for treatment of a medical condition with the request for reimbursement.
To qualify as potentially eligible, procedures must be intended to overcome an inability to have children due to medical reasons and are performed on you, your spouse or your dependent. Eligible medical expenses include (but are not limited to):
Fertility exams
Artificial insemination (intracervical, intrauterine, intravaginal)
In-vitro/In-vivo fertilization
Gamete Intrafallopian Transfer (GIFT)
Sperm bank storage/fees for artificial insemination. *Note: Storage fees can only be submitted for planned fertilizations during the current plan year.
Sperm implants
Sperm washing
Reverse vasectomyEmbryo replacement and storage.
*Note: Storage fees can only be submitted for planned fertilizations during the current plan year.
Egg donor charges for recipient
Embryo transfer
