Does Progyny Cover Surrogacy?

Intended parents with a Progyny insurance plan are in a great position to reduce surrogacy costs.

Understanding the details of your Progyny coverage can save you thousands and streamline your surrogacy journey.

In this article, we’ll break down what Progyny covers, what it doesn’t and how to make the most of your benefits.

If you have questions or concerns about your Progyny coverage, or simply need resources to round out the rest of your surrogacy plan, reach out to us today.

Yes, Progyny typically covers embryo creation costs for surrogacy. Some plans may provide surrogacy financial assistance up to a certain amount that can be applied as reimbursements for other surrogacy expenses.

Progyny uses a unique method of distributing coverage known as a “Smart Cycle”. Each policy holder is allowed to allocate portions of coverage as they see fit, totaling up to one or more cycles.

Progyny operates through employer-provided plans, and your coverage level depends on the specific plan your employer offers.

For example: IVF with frozen embryos: 3/4 cycle + frozen embryo transfer (FET): 1/4 cycle=100% of IVF with FET is covered with just one Smart Cycle. However, if they needed donor eggs, which are 1 cycle, you would need at least two cycles.

How many Smart Cycles you are allotted depends on your employer’s policy.

If you have questions, you can contact Progyny directly at 833.233.1020.

How Much Does Surrogacy Cost With Progyny?

Surrogacy costs around $100,000-$200,000. Progyny covers embryo creation services for surrogacy, which are not included in our surrogacy packages because intended parents must have embryos created before they can be matched with a surrogate.

The expenses included in this estimate are:

Agency and case management fees: This includes surrogate screening, matching and more.
Gestational carrier fees: Surrogate base pay, monthly reimbursements for out-of-pocket expenses, travel and lodging and lost wages.
Medical fees: Your surrogate’s insurance, surrogate medical screening and outside monitoring.
Legal fees: Your and your surrogate’s legal fees, surrogacy contract support and agency admin duties.

If your Progyny plan offers a surrogacy financial assistance benefit, you could be reimbursed for the above expenses up to a certain amount per attempt depending on your plan.

Surrogacy involves several costs, from agency fees to surrogate compensation. Knowing what to expect can help you plan with confidence. If you need help breaking down surrogacy costs, fill out our quick form.

What does Progyny cover for surrogacy?

Surrogacy embryology services (pre-transfer services) are covered by Progyny. Any services relating to the surrogate, such as the embryo transfer, are not covered in the plan.

Surrogacy embryo services utilize 1/2 of a Smart Cycle and may include services such as:

Egg retrieval, if you are using your own eggs (includes anesthesia)
Fertilization and intracytoplasmic sperm injection (ICSI)
Embryo culture lab
Embryo biopsy
Preimplantation genetic testing for aneuploidy (PGT-A)
Cryopreservation of extra embryos
Egg and sperm storage (1 year)

Other relevant services that may be needed for surrogacy that are included in a Smart Cycle include:

Donor eggs: One cohort (6-8 eggs) of eggs would utilize 1 Smart Cycle
Donor sperm: Up to 4 vials of sperm would use a 1/4 of a Smart Cycle.

What Does Progyny Not Cover?

There are also several costs related to surrogacy Progyny does not cover. These costs include:

Surrogate compensation
Agency fees
Screening costs
Surrogate embryo transfer

However, some plans may include surrogacy financial assistance, which can be applied to the expenses above.

What Companies Offer Progyny?

Companies that offer Progyny tend to be larger organizations with more than 1000 employees. If your employer offers Progyny, you will most likely be made aware of this during your onboarding.

List of Companies that Offer Progyny

Over 500 companies provide comprehensive Progyny coverage plans for employees, including:

Nike
Google
MassMutual
Target
Microsoft
Starbucks
PNC Financial
Meta (Facebook)
St. Jude’s Children’s Hospital
And 500+more.

Unfortunately, there is no unified list of employers offering Progyny; however, most companies will advertise their benefits on their website.

If you’re unsure of whether you qualify for Progyny, contact the HR department at your job, or call 833.233.1020 to confirm your benefits.

Learning More about Progyny Surrogacy Benefits

Insurance can be difficult to fully understand, especially for those who haven’t had to deal with complex medical costs before.

Our experts will help you understand your coverage and explore funding options. Contact us today to start your journey with confidence.

Check out our article about insurance for surrogacy.

Progyny Q&A

Does Progyny cover medication for surrogacy?

Progyny may cover fertility medication for egg retrieval under their Progyny Rx pharmacy benefit. This may vary depending on your specific policy.

Does Progyny Cover Donor Eggs?

Yes, default Progyny coverage pays to acquire donated eggs.

Does Progyny Cover Egg Freezing?

Yes, default Progyny coverage pays part of the cost of preserving eggs. Coverage can be distributed to cover the whole cost.

Does Progyny Cover PGT Testing?

Yes, default Progyny coverage pays for PGT and PGT-A testing.