Frequently Asked Questions

The ARC Family Forming Benefit is a flexible, family forming solution designed for employers. ARC’s solution benefits both the employee and the employer.

Insurance plans vary, but most do not offer comprehensive or adequate coverage for family forming care. Traditional health insurance does not keep up with technology changes and often has restrictive criteria for employees and treatment that result in discrimination and inefficient care. This is costly and requires theemployee to navigate treatment on their own, adding to work stress and dysfunction.

ARC’s benefit is comprehensive for all employees, allowing for all options that address diversity, equity, and inclusion. All members can take advantage of the comprehensive digital program with the website, AI-enabled chat, FertilityNow app, fertility and financial predictor tools, individualized information, and access to our personal Concierge Care Navigators to explain benefits, answer questions and provide emotional support. Those needing medical treatment can access not only in vitro fertilization but also simple and less costly non-IVF treatments, male treatments, egg freezing for fertility preservation, donor sperm, egg and surrogacy, optional pharmacy and genetics programs, and resources for emotional health and adoption. ARC’s bundled packages are evidence-based and help avoid miscoding, waste, and overutilization while including all needed services. Our industry-leading Net Promoter Score (NPS) is 89. Telehealth can minimize time away from work and reduce costs.

No, ARC does not require an employee to meet a definition of infertility. This enables the inclusion of a diverse population so everyone can receive any type of treatment they need.

Yes, there are NO Per Employee Per Month (PEPM) fees. The employer pays the benefit ONLY for medical care actually received and only up to the benefit subsidy amount chosen by the employer. There is also a small implementation fee and annual company fee so that all employees can access ARC’s comprehensive reproductive health and wellness digital solution and personal Concierge Care Navigation support. Our evidence-based bundled packages, avoidance of miscoding and overutilization, package design with discounted services, additional frozen embryo transfer and reduction of multiple pregnancies result in cost savings of 10% to 50%. ARC Centers of Excellence validated lower twin rate saved over $47 million in 2018.

ARC can design packages that meet each employer’s choices, including intrauterine insemination (IUI), IVF, egg freezing, sperm and egg donor, surrogacy, and emotional and adoption support. Each employer can also choose the benefit subsidy level appropriate for them.

Financing programs are available through ARC to provide additional funds that bridge any difference between the employer contribution and employee need. This support reduces employees’ time, energy, and distraction and increases presenteeism and productivity. It enables the employer to provide a meaningful benefit at an affordable cost.