Preimplantation Genetic Testing and Related Services – Commercial and Individual Exchange Medical Policyopen_in_new

UnitedHealthcare covers PGT‑M and PGT‑SR (by PCR, NGS, or CMA) for embryos at increased risk from parental single‑gene mutations or structural chromosome rearrangements—and PGT‑HLA for sibling treatment—but excludes PGT‑A (aneuploidy), PGT‑P (polygenic/ESPS), non‑indicated sex determination, and long‑term embryo storage (>1 year). Coverage requires a physician order after documented genetic counseling, clinical/genetic documentation of parental carrier/rearrangement status and that the condition would cause Significant Health Problems/Severe Disability, related IVF/PGT services under physician supervision, and offering prenatal confirmatory testing.

"Benefit limits do not include Preimplantation Genetic Testing (PGT) for the specific genetic disorder (CPT codes 81228, 81229, 81349, and 81479) (coding/benefit limitation clarification)."

Sign up to see full coverage criteria, indications, and limitations.