For brokers and consultants
Fertility benefits, evaluated the way you would evaluate anything else.
Fertility vendors are unusually hard to compare: the pricing units differ, the utilization assumptions are rarely shown, and the network reality is not in the deck. This is the diligence framework we would want you to hold us to as well.
Five questions that separate vendors
What are the pricing units?
PEPM, per utilizer, claims, implementation, and any minimum. Normalise everything to annual cost at the client's headcount before comparing anything.
What utilization is assumed?
Ask for the assumed share of eligible employees using the benefit each year and the source of that figure. A quote built on an optimistic utilization number is not a quote.
Is the network real where the employees are?
Map covered clinics against actual employee ZIP codes, and ask specifically about monitoring access, because monitoring is the visit that happens every other morning.
What does the plan document say?
How is infertility defined, is the definition inclusive, are medication and storage included, what is the lifetime maximum, and what triggers prior authorization.
What reporting comes back?
Aggregate utilization, cost, and outcome reporting at a cadence you can act on, with a clear statement of what is and is not disclosed to the employer.
What to bring to the first client meeting
- Eligible headcount by state and ZIP concentration
- Whether the plan is fully insured or self-funded
- Current infertility language in the plan document
- State mandates that already apply, if any
- Carrier or claims utilization history
- Turnover and recruiting pressure in the roles that matter most
Where designs usually fail
- A lifetime maximum below the cost of a single cycle
- Medication excluded — Cleveland Clinic puts it at about $5,000 on top of a roughly $15,000 cycle
- An infertility definition that excludes single and LGBTQ+ employees
- A network with no monitoring access near a major site
- Prior authorization friction that stalls time-sensitive cycles
- No plan for what happens when an employee's cycle spans a plan year
What we will not ask for
No employee health information, no claims-level detail identifying individuals, and no employee names. A first conversation about design and cost needs headcount, geography, and plan structure — nothing more.
Common questions
- What does MyBabyBridge do for a broker?
- We help you and your client evaluate fertility benefit options on the merits: what a design would actually cost at their headcount, what the plan document would need to say, and where the access problem sits geographically. We do not need employee health information to have that conversation.
- How is fertility benefit pricing usually structured?
- Commonly a per-employee-per-month administration fee plus claims or a funded treatment allowance, sometimes with implementation and per-utilizer fees. The units differ between vendors, which is precisely why side-by-side comparison is difficult unless you normalise them first.
- What is the most common gap in a client's existing coverage?
- A carrier plan that technically includes infertility services but excludes medication, caps benefits well below the cost of one cycle, or requires a network that has no clinic within a reasonable distance of a large share of the workforce. On paper it reads as coverage; in practice it is not usable.
- Do you work on a commission or referral fee basis?
- Any commercial arrangement, including referral or fee terms, would need to be agreed in writing and disclosed appropriately. Nothing on this page creates one.
Bring us a client situation.
Tell us the headcount, the geography, and the gap you are trying to close. No employee health data needed.