Fertility benefits are offered with many major medical plans, but advisers may want to investigate further into the products available, as fertility benefits often do not cover all that employees think they do. This could leave employers and employees with a hefty bill in end.

A little more than half of fertility plans offer coverage for evaluation from a specialist when seeking fertility treatment, but that is where coverage begins to plunge. Only 24% of fertility plans cover in vitro fertilization and only 5% cover egg freezing, according to Mercer’s 2015 National Survey of Employer-Sponsored health plans.

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