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

Depending on medical plan coverage, you and your family (plus extended family members!) may have cancer support through MSK Direct. 

Whether you or your loved ones (spouse, domestic partner, children, parents, parents-in-law, siblings, aunts, uncles, cousins) are concerned about their cancer risk, are facing a diagnosis or exploring treatment options, a dedicated team, including experts at Memorial Sloan Kettering (MSK) Cancer Center, can help everyone understand what comes next.

How MSK Direct can help

• Fast access to specialists: Call the dedicated MSK Direct line at (844) 506-0589 to confirm they are an in-network provider under your medical plan. Once that’s confirmed, you will be connected with a doctor who specializes in your type of cancer. Appointments may be available within two business days; timing may vary if you request a specific doctor or location.
• Personalized support: An MSK Direct Care Advisor can help gather medical records, connect you with the right doctors and prepare you for your appointment.
• Expert care near you: Receive care at MSK locations across New York City, Long Island, Westchester County, and New Jersey. If you can’t travel to MSK, the team can help identify a high-quality hospital closer to home that participates in your plan.
• Second opinions: Meet with an MSK expert in person or, when available under your benefit, request a written review to share with your local doctor.
• Screening and prevention guidance: Get personalized recommendations to help understand and reduce your cancer risk.

Need a second opinion?

A second opinion can provide reassurance that your diagnosis and treatment plan are right for you—even if you’ve already started treatment.

Consider a second opinion if:

• You’ve received a new cancer or blood disorder diagnosis.
• Your diagnosis is rare, unclear or has changed.
• You aren’t responding to treatment as expected.
• Your treatment plan has changed or you want to explore other options.
• You want greater confidence in your diagnosis and treatment plan.

Getting started is simple

1. Call MSK Direct at (844) 506-0589.
2. Share your medical records. The MSK Direct team can coordinate with your current care team to gather what’s needed.
3. Receive personalized guidance. An MSK doctor will review your information and recommend next steps. If the recommendation changes your diagnosis or treatment, the MSK doctor can work with your local doctor to help guide your care.

Ready to connect? Call (844) 506-0589 or visit mskcc.org/mskdirectforyou to learn more.

MSK Direct guidance is available at no additional cost. Medical care received through MSK is subject to your UnitedHealthcare plan’s standard costs, such as copays, deductibles and coinsurance. Availability of a written second opinion may depend on your plan coverage.

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.