ARC Fertility
Infertility affects not only heterosexual couples but also single people with a need to delay family forming or to preserve their fertility before cancer treatment and those in LGBTQ+ communities. One in six Americans struggle with infertility which causes significant physical, emotional and financial burdens.
ARC Fertility offers comprehensive fertility and family-forming benefits for employees, covering all genders, sexual orientations, and stages of the family cycle, from pre-conception counseling through menopause.
The coverage includes a wide range of reimbursable services, such as:
- Ovulation induction and ovarian stimulation, with or without intrauterine insemination (IUI)
- IUI using partner or donor sperm
- IVF Plus Packages (one, two, or three cycles), which include monitoring, oocyte retrieval, sperm preparation, embryo transfers (fresh or frozen), and cryopreservation
- Sperm preparation, wash, and semen analysis for IUI or IVF
- Intracytoplasmic sperm injection (ICSI)
- Medical and surgical services for male fertility treatments
- Sperm collection, freezing, and storage (up to one year) for males in active infertility treatment
- Cryopreservation and storage of oocytes and embryos
- Assisted Reproductive Technology (ART) cycles, including egg retrieval, fertilization, and embryo culture
- Egg and embryo donation services, as well as access to frozen donor eggs from an egg bank
- Surrogacy (gestational carrier) services, including medical and agency services
- Adoption services
- Menopause-related services
- Pharmacy plans for fertility medications
- Pre-conception genetic testing and consultation
- Preimplantation genetic testing (PGT) for various genetic conditions
- Access to ARC Financing for expenses beyond the employer's benefit subsidy
- At-home fertility monitoring, ovulation tracking, and sperm testing kits
- Long-term storage of eggs, sperm, or embryos
- These benefits support all employees, regardless of their family-forming journey or reproductive needs.
Levels of Coverage
Employee Only
Employee + Spouse/Domestic Partner
Employee + Child(ren)
Employee + Family
Provider(s)
Plan Details
Machine Readable Files
The Departments of the Treasury, Labor, and Health and Human Services (the Departments) have issued the Transparency in Coverage final rules (85 FR 72158) on November 12, 2020. The final rules require non-grandfathered group health plans and health insurance issuers in the individual and group markets (plans and issuers) to disclose certain pricing information. Under the final rules a plan or issuer must disclose in-network negotiated rates and billed and out-of-network allowed through machine-readable files posted on an internet website. Plans and issuers are required to make these files public for plan policy years beginning in 2022. This material is for information only. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. You can access the BMC machine readable files here.