University Human Resources
Reproductive Health Benefits
Maternity and Pregnancy Care
Blue Cross Blue Shield
Coverage for employees, spouses and eligible dependents who are pregnant:
| Service | In-Network | Out-of-Network |
|---|---|---|
| Office visits | No charge* | 20% Coinsurance |
| Childbirth/delivery (professional services) | No charge | 20% Coinsurance |
| Childbirth/facility services | No charge | 20% Coinsurance |
*In-network copay applies to the initial office visit only.
Additional Coverage Includes
- Elective and non-elective abortion services
- Pregnancy-related testing and services (e.g., ultrasounds)
Important Information
- Pre-authorization is required for facility services
- Preventive services are covered at no cost
- Other services may be subject to copayments, coinsurance or deductibles
- Out-of-network inpatient stays exceeding 48 hours (96 hours for C-section) require prenotification or benefits may be reduced to 50% of allowed amount
Note: Coverage and costs may vary depending on where services are provided (e.g., office, outpatient facility or hospital).
Consumer-Directed Health Plan (CDHP) with Health Savings Account (HSA)
| Services | In-Network Providers | Out-of-Network Providers |
|---|---|---|
| Office visits | No charge | 30% coinsurance |
| Childbirth/delivery (professional services) | 10% coinsurance | 30% coinsurance |
| Childbirth/facility services | 10% coinsurance | 30% coinsurance |
Additional Coverage Includes
- Pregnancy-related testing and services (e.g., ultrasounds)
- Fetal reduction surgery
- Voluntary sterilization
- Contraceptive services
- Surgical, non-surgical and medication-based pregnancy termination
Important Information
- Preventive services are covered at no cost
- Other services may be subject to copayments, coinsurance or deductibles
- Out-of-network inpatient stays exceeding 48 hours (96 hours for C-section) require prenotification or benefits may be reduced to 50% of allowed amount
Infertility Benefits
Blue Cross Blue Shield coverage for employees and spouses includes:
- Diagnostic testing and evaluation
- Treatment of underlying medical conditions
- Assisted reproductive technologies (ART), including:
- IVF (in vitro fertilization)
- IUI (intrauterine insemination)
- GIFT and ZIFT
- Artificial insemination
Eligibility Requirements
Individuals under age 35 may qualify for infertility benefits if they are unable to become pregnant after one year of regular, unprotected intercourse or therapeutic donor insemination.
Emotional and Mental Health Support
The Spring Health Employee Assistance Program (EAP) offers confidential support for reproductive health–related topics, including:
Infertility
Pregnancy and pregnancy loss
Pregnancy termination
Postpartum support
Employees and household members receive up to 10 free counseling sessions per year. Additional care can be coordinated through your health plan to help reduce out-of-pocket costs.
For more information, contact Spring Health at 1-855-629-0554.
Parental Leave
Brown University offers a variety of parental and family leave options. Visit the Leave of Absence page or contact accommodations@brown.edu for more information.