What Is Not Covered Property of Bind Benefits, Inc., d/b/a Surest. All rights reserved © 2026. 50 Reproduction 96. Services related to the treatment of infertility, including the following: a) All charges associated with a gestational carrier program for the person acting as the carrier, including but not limited to, fees for laboratory tests. b) All costs associated with surrogate parenting including, but not limited to, donor oocytes (eggs), donor sperm and host uterus. c) Artificial reproductive treatments done for genetic or eugenic (selective breeding) purposes. d) Assisted Reproductive Technologies (ART), including but not limited to, gamete intrafallopian transfer (GIFT), intrauterine insemination (IUI), in-vitro fertilization (IVF), pronuclear stage tubal transfer (PROST), tubal embryo transfer (TET), and zygote intrafallopian transfer (ZIFT). e) Cloning. f) Cryopreservation and storage. g) Donor ovum or oocytes (eggs), embryos, and semen and related costs, including collection, preparation, and storage of. h) Donor services and non-medical costs of oocyte or sperm donation (e.g., donor agency fees). i) Embryo or oocyte accumulation, defined as a fresh oocyte (egg) retrieval prior to the depletion of previously banked frozen embryos or oocytes (eggs). j) Ovulation predictor kits. k) Reversal of voluntary sterilization. Services Provided Under Another Plan 97. Services for which coverage is available: a) For treatment of military service-related disabilities when you are legally entitled to other coverage and facilities are reasonably available to you. b) Services resulting from accidental bodily injuries arising out of a motor vehicle accident to the extent the services are payable under a medical expense payment provision of an automobile insurance policy. c) Under another medical plan, except for Eligible Expenses, or Recognized Amount when applicable, payable as described in this SPD. d) Under Workers’ Compensation or similar legislation if you could elect it or could have it elected for you. e) While on active military duty. Transplants 98. Health services for transplants involving permanent mechanical or animal organs. 99. Health services connected with the removal of an organ or tissue from you for purposes of a transplant to another person. (Donor costs that are directly related to organ removal are payable for a transplant through the organ recipient’s medical coverage.)