Fertility information & services

Fertility information & services

Information to help you grow your family

What's covered?

Fertility services

Many Harvard Pilgrim plans cover certain fertility services for eligible members. Covered services typically include:

  • Specialist consultation (PCP referral required for HMO members)
  • Diagnostic services medically necessary to assess fertility, such as:
    • Lab work
    • Hysterosalpingogram
    • Laparoscopy
    • Ultrasound
    • Sperm testing
  • Fertility support services and procedures, including:
    • Intrauterine insemination (IUI)
    • In vitro fertilization (IVF)
    • Frozen embryo transfer (FET)
    • Gamete/zygote intra-fallopian transfer (GIFT/ZIFT)
    • Microsurgical sperm aspiration (MESA)
    • Testicular sperm extraction (TESE)

Review your plan documents for specific benefit and coverage details, including member cost sharing.

Contact Member Services for more information.

Adoption & surrogacy

Harvard Pilgrim doesn’t cover adoption or surrogacy services. But if you’re interested in these options, you can learn more through Ovia. Along with in-app content about adoption and surrogacy, Ovia Health coaches can explain:

  • What to expect with an adoption or surrogacy journey
  • How to get started
  • Steps to ensure the smoothest possible process

Download Ovia

Available resources


Ovia is a digital health app that offers tracking tools, support and guidance for your family planning journey — whether that's through pregnancy, adoption or surrogacy.*

Harvard Pilgrim members can unlock the app’s services, such as unlimited support from Ovia’s team of experts, including:

  • Registered nurses
  • Nurse practitioners
  • Social workers
  • Mental health counselors

Explore all that Ovia Health has to offer.

Mind the Moment

Starting or growing your family can have you feeling hopeful and excited, anxious and exhausted, and everything in between. With Mind the Moment, learn how mindfulness can help you tap into your brain’s built-in capacity for awareness, focus and clarity — so you can be more at ease with all the ups and downs.


* Harvard Pilgrim Health Care does not specifically endorse or recommend and makes no warranties, expressed or implied, that communication with Ovia Health is a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of your physician or qualified health provider with any questions concerning your medical or mental health condition.