Fertility Coverage Enhancement for Students

Effective August 1, 2024, Yale University has provided enhanced fertility coverage to students enrolled in Yale Health’s Hospitalization/Specialty Care coverage. We have added the below coverage to the Student Guide to Yale Health, which includes specific benefits related to tissue donation to assist individuals or couples in establishing a pregnancy. Here's an overview of the key elements.

Tissue donation is, for some, a necessary step in establishing fertility, and its use and coverage are determined separately. Tissue donation means the procurement and use of eggs, embryos, and sperm necessary to provide for the ability to establish a pregnancy when one or the other or both are unavailable in the person or couple pursuing the birth of a child.

1. Donor Eggs (cohort of 6-8): coverage is limited to $20,000 or one full IVF treatment cycle.

2. Embryo Fertilization: coverage limited to $7,000 or a half-cycle equivalent.

3. Donor Sperm: coverage is limited to $2,500 per ¼ cycle usage.

4. Cryopreservation for storage of embryos or oocytes during an approved IVF cycle + 1 Year of Storage: $1,500 or quarter-cycle (1/4) equivalent. This benefit does not apply to yearly storage fees. Individuals who meet the criteria outlined in the Fertility Preservation section are not subject to the dollar maximum. You must be diagnosed with infertility or other fertility-impairing diagnosis. Elective cryopreservation is not covered. These costs are limited per use. Donor tissue fees may be higher than that paid for by the benefit. Any difference is paid by the person or couple seeking a pregnancy.

Students should check their Schedule of Benefits for specific coverage details and limitations about these services.