Life Moment Guidance

Different paths, same goal: support for growing your family.

Family planning and fertility support

Fertility coverage includes:

• IVF (including ZIFT/GIFT) is covered without requiring a medical diagnosis. You have no limit on the number of cycles; instead up to $15,000 is covered for any fertility treatment, excluding medication costs. 
• Prior authorization requirements are being removed for IVF/ZIFT/GIFT.
• Genetic testing when necessary (Preimplantation Genetic Testing or PGT)
• Egg freezing when medically necessary (not for social preservation)
• Doula services, up to $5,000

UnitedHealthcare plan members: Beginning August 1, you’ll have access to Maven, an app-based virtual clinic that can support you during pregnancy, postpartum, and newborn stages of having a child. This program costs you nothing!  

Adoption and surrogacy (non-medical reimbursement)

Beginning August 1, Pandora will offer an adoption and surrogacy benefit to help with eligible expenses. For information on eligibility, what’s included, and how to get started, head to the Family Planning page.

View the Family Planning and Support for all the details.

Caregiving is a lot. Here are a few quick ways to get organized (and get support).

• Start with the basics: Confirm insurance coverage, current medications, and provider contact info.
• Make a short care plan: Define who’s doing what, what the schedule looks like, and what “backup” support looks like.
• Ask for help early: It’s easier to build a support system before you’re burned out.

Need emotional support while you’re caregiving?

For coaching, therapy, groups, and tools, start with Modern Health.

What to do next

1. If you need help finding in-network providers or facilities, start with your plan’s provider tools (or Garner Health, where applicable).
2. If you’re feeling stretched thin, book a Modern Health session (coaching or therapy) or join a group.

When life presents unique challenges—like supporting aging parents who are victims of identity theft or updating legal documents after a major change—consider legal coverage and/or identity theft protection through Pandora.

If you enroll in a UnitedHealthcare (UHC) medical plan, you’ll have additional programs to support your unique needs beginning August 1, including:

Substance use support: Resources, digital self-help tools, licensed in-person and virtual therapists and more.

Cancer support services: Through the Cancer Resource Services program, you have access to a national network of quality cancer centers and guidance on local providers, travel and lodging benefits (if applicable), and access to a nurse for education and support during initial phase of diagnosis and treatment. For Cancer Resources Services, call directly at (866) 936-6002 or work with a UnitedHealthcare Advocate for a referral.

Special needs support: The Special Needs Initiative supports families who have children with complex and unique healthcare needs. It provides you with a personalized care advisor who can help answer questions and ease your concerns, anxiousness, and stress.

For all other UHC programs, if you're enrolled in the:

• UHC Silver Choice HDHP: Call (866) 319-4480
• UHC Gold and Platinum Choice plans: Call (888) 607-5214

Pick what works best for you, whether that’s Modern Health’s tools, a counseling session, or immediate support.

Modern Health offers coaching, therapy, groups, and digital resources (all in one place).
Don’t forget your household dependents! They can use Modern Health, too.

Calm Health is available to UHC plan members. Sign in to your myuhc.com account or the UnitedHealthcare app. Locate the mental health or "Calm" resource section. Download the Calm Health app and register using your UHC information.