Citi supports all paths to parenthood. Whether growing your family involves traditional medical care, specialized fertility treatment, adoption or surrogacy, Citi is here for you.

To help make your parenting journey a little smoother, we’ve organized the information on this page around key stages in the family-building process, from preparing to grow your family to welcoming your child and thriving as a new parent.

Learn about the policies, benefits and resources available to support your specific needs.


Fertility/Pregnancy Support

If you or your spouse/partner covered by a Citi medical plan is hoping to give birth to a baby, your Citi benefits provide the coverage and specialized services to support your family goals.

Fertility Services and Maternity Support

Fertility Services

Coverage for fertility services is available to all employees and eligible dependents enrolled in a Citi medical plan, regardless of fertility diagnosis.

Learn more below.

Maternity Support

Your Citi medical coverage offers you access to a dedicated team of experts to help you before, during and after your pregnancy.

Learn more below.

Fertility Programs

If you enroll in an Anthem or Aetna medical plan, you have access to coverage for comprehensive fertility treatment along with a variety of support services around all aspects of fertility.

Through your Citi medical coverage, the lifetime fertility maximum benefit per family or covered person, whichever occurs first, is:

  • $24,000 for medical services related to comprehensive fertility services, advanced reproductive technology or elective cryopreservation
  • $7,500 for prescription drug costs associated with infertility treatment and elective cryopreservation

Covered Fertility Services

Citi’s medical plans through Aetna and Anthem provide coverage for a wide range of fertility services, such as:

  • Comprehensive infertility services, including:
    • Ovulation induction
    • Intrauterine insemination
  • Advanced reproductive technology (ART), including:
    • In vitro fertilization (IVF) cycles, including freeze-all cycle (fertilization and culture of embryo)
    • Reciprocal IVF cycles
    • Intrauterine embryo lavage
    • Embryo transfer
    • Elective single embryo transfer
    • Artificial insemination
    • Gamete intrafallopian tube transfer (GIFT)
    • Zygote intrafallopian tube transfer (ZIFT)
    • Low tubal ovum transfer
    • Assisted hatching
    • Pre-implantation genetic diagnosis (PGD) and screening (PGS), when it is medically necessary
    • Evaluation by a reproductive endocrinologist or infertility specialist, drug therapy and intracytoplasmic sperm injection (ICSI)
    • All cryopreservation services (freezing of egg, sperm or embryos) when undergoing IVF
    • Cryopreservation (freezing) of sperm or embryos, when medically necessary (if undergoing fertility treatment due to chemotherapy, pelvic radiotherapy or other gonadotoxic therapies, with no storage time limitation
    • Cryopreservation (freezing) of eggs, when medically necessary or chosen electively
    • Cryopreserved embry transfers
    • Oocyte (Egg) thaw cycles
    • ART services for procedures that are covered expenses including charges associated with storage and procurement of partner's sperm for ART and Testis Biopsy, when the partner is also covered under the Plan
    • Sperm sourcing includes specialized sperm retrieval techniques including vasal sperm aspiration, microsurgical epididymal sperm aspiration (MESA), percutaneous epididymal sperm aspiration (PESA), electroejaculation, testicular sperm aspiration (TESA), microsurgical testicular sperm extraction (TESE), seminal vesicle sperm aspiration and sperm recovery from bladder or urine for retrograde ejaculation are considered medically necessary to overcome anejaculation or azoospermia

Please note: Expenses for the diagnosis and treatment of any underlying medical conditions are covered by your Citi medical plan, but they do not count toward the medical or prescription drug lifetime maximum fertility benefit. It’s also important to note that an infertility diagnosis is not required to receive fertility benefits.

For more information about covered fertility services, please contact your Citi Health Concierge.

Specialized Support

In addition to coverage for treatment, your medical plan also provides additional services to support you throughout your fertility and/or pregnancy journey.

WINFertility through Anthem

As part of your Anthem medical coverage, you have access to WINFertility for high-quality fertility care. Through the program, you can receive 24/7 support from WIN's Nurse Care Manager who can answer your questions, help you find providers and listen to your concerns while you are trying to get pregnant.

Your Nurse Care Manager can also help you:

  • Learn about the types of drugs used for infertility treatment
  • Understand the side effects, storage and proper usage of your fertility drugs
  • Find a high-risk maternity group and health plan programs to join
  • Access Anthem's National Network of Reproductive Endocrinologists

For more information, call you Citi Health Concierge at 1 (833) 204-2713.

Aetna’s Infertility Unit

As part of your Aetna medical coverage, you have access to a variety of resources through Aetna’s Infertility Unit for questions that come up through the fertility process. Your Citi Health Concierge can also provide personalized support and guide you to the right resources when you need them. You can contact your Citi Health Concierge by calling the phone number on your medical ID card.

Maternity Programs

To support you along your pregnancy journey — from preconception through delivery and beyond — your Citi medical benefits offer dedicated prenatal and maternity support.

Aetna Maternity Program

Aetna plan members have access to Aetna’s maternity program, offering information on topics such as prenatal care, preterm labor symptoms, what to expect before and after delivery, and many other topics. In addition, if you have health conditions or other risk factors that could impact your pregnancy, you can work with a nurse case manager to help ensure a healthy pregnancy. If eligible, you’ll also receive two follow-up calls after your delivery, a depression screening, and extra support, if needed.

Anthem’s Building Healthy Families

If you have Anthem coverage, the Anthem Building Healthy Families program offers resources, support, and education around prenatal interventions, pregnancy risks, and the pregnancy experience overall to expectant mothers. In addition to an extensive content library, the Building Healthy Families program also offers 24/7 access to a nurse coach who can answer questions about your pregnancy.

More Considerations

Get Help Finding a Doctor

Looking for a doctor to support your pregnancy? Your Citi Health Concierge (for Aetna or Anthem members) or Health Advocate (for everyone) can help you find a doctor that meets your needs and preferences. In addition, Included Health is available to all Citi employees. When you contact Included Health, a care coordinator can help find you specialists and schedule appointments or request a second opinion from a qualified expert.

Quit Tobacco

Quitting tobacco can really pay off for both you and your coming child’s health. It’s been widely shown that babies whose mothers smoke during pregnancy are more likely to die or experience preterm birth or birth defects. Secondhand smoke can also affect the developing lungs of children, leading to asthma or other health complications (Source: CDC). Help is available through the free resources Citi offers to help you quit:

  • The Live Well Tobacco Cessation Program is available for all U.S. employees and their spouses/partners who are enrolled in a Citi medical plan. The program offers online or phone coaching programs and nicotine replacement therapy at no-cost. Plus, if you complete the program, you’ll no longer be subject to the tobacco penalty (if enrolled in a Citi medical plan or Group Universal Life insurance premiums), saving you money.
  • If you’re enrolled in a Citi medical plan through Aetna, the Aetna Maternity Program offers the Smoke-Free Moms-to-Be® program. Through the program, you’ll receive one-on-one support from nurses to help you quit smoking for life.

Consider Hospital Indemnity Insurance

Hospital indemnity insurance offers cash payments to help you pay expenses related to a planned or unforeseen hospitalization. For employees thinking about having a baby, enrolling in hospital indemnity insurance ahead of time can provide an additional layer of financial protection against costs associated with a hospital stay to give birth. The money you receive from this supplemental insurance can be used to pay for costs not covered by your primary medical plan (such as the deductible, coinsurance, or copays).

You can enroll in this benefit during Annual Benefits Enrollment or if you experience a qualified change in status.


Adoption and Surrogacy

If your path to parenthood involves adoption or surrogacy, Citi offers financial support to help you. Through the Adoption and Surrogacy Assistance Program, Citi reimburses up to a lifetime maximum of $30,000 per family to help with certain expenses.

Eligible expenses include:

  • Adoption agency and placement fees
  • Adoption-related travel (including lodging)
  • Legal and court fees associated with the adoption or surrogacy
  • Temporary foster care expenses during the adoption process
  • Medical expenses not otherwise covered by any medical plan associated with the adoption or surrogacy

Eligible expenses must be incurred while employed at Citi.

Please refer to the Family Planning Benefits FAQs or the Adoption and Surrogacy Assistance Program policy on Citi For You (intranet only) for detailed information and to learn about how to submit a reimbursement request.


Planning for Your Family Addition

As you prepare to welcome your new child, use this checklist to make note of the actions you may want to take to ensure a smooth transition:

Understand Your Leave Benefits

Under Citi's Parental Leave policy, all new parents can take 16 weeks of 100% paid leave following the birth or adoption of a child. Employees who give birth may also take up to eight weeks of 100% paid leave for disability and recovery related to childbirth.

Start Planning at Work

As soon as you’re ready to share your big news, schedule time to meet with your manager so you can discuss your time off. During that conversation, you may want to talk about:

  • When you expect your leave to start and when you anticipate returning to work.
  • Suggestions on how the work could be handled in your absence.
  • Your work schedule options, including a flexible work schedule upon your return (if desired).

As you approach the start of the leave, we also recommend taking the following actions to help ease the transition:

  • Finalize any projects you can and/or provide clear instructions and training for colleagues who will handle your work.
  • Make sure your team is aware of your communication plan while you are on leave.
  • Create a list of all your systems passwords in a secure place, as you will most likely need to change your passwords upon returning to work. 

Consider Any Post-Partum Needs

Talk to your doctor about any arrangements you may need to make in advance, such as renting or purchasing a breast pump.

Order a SNOO to Support Better Sleep

SNOO is a “smart" bassinet that encourages sleep at night or during naps with gentle rocking and soothing. All U.S. Citi employees are eligible for a discount on SNOO rentals and accessories. In addition, Citi will reimburse the full cost of a SNOO rental for up to six months for benefits-eligible employees covered by an Aetna or Anthem medical plan who add their new child to their medical plan.

Note: For employees enrolled in the High Deductible Plan with HSA, your SNOO rental costs will apply toward your deductible, if not already met. Upon meeting your deductible, any remaining SNOO costs will be reimbursed.

Citi's reimbursement for eligible rentals includes the rental fee, reconditioning fee and all sales tax, which you pay up front and then submit a claim to your medical plan. You are responsible only for a $99 security deposit, which is refundable when you return your SNOO. You'll receive a small- and medium-sized SNOO Sack and one fitted sheet with your rental.

Important: You must add your child to your Aetna or Anthem medical plan with 31 days after birth. If your child is not added, no reimbursement claims will be paid.

For more information about SNOO, including instructions for placing an order and requesting reimbursement, review these SNOO FAQs. Find the reimbursement forms under Documents on the right side of this page. Call your concierge for any questions when completing the forms.

Think Ahead to Your Child Care Plan

Citi partners with Bright Horizons to offer a variety of child care services, ranging from nanny placement services to help finding local trusted child care providers and back-up options when your primary child care is unavailable. Learn more about the Bright Horizons benefit.

Care for Yourself Throughout Your Journey

Adding to your family is a big change. Citi understands that even happy changes can bring stress. We encourage you to take advantage of the many resources available to help you manage the emotional challenges you face as a new parent. Learn more about the services offered through Citi’s Be Well Program.

Get Health Care at Home and on the Go

As you prepare for your child’s arrival, consider telehealth for non-emergency medical needs, such as a cold, ear infection, or stomachache. Telehealth offers care from the comfort of your home — or wherever you may be — and is often cheaper than a visit to the doctor’s office. Learn more here.


Welcoming a New Child

Congratulations! We hope you enjoy this special time. As you prepare to settle into life with your new child, use this list of suggested actions to help ensure a smooth transition for your family.

Report Your Leave

Call MetLife at 1 (888) 830-7380 within a few days of when you start your leave. Then, touch base a few days after that to ensure they have everything they need to finish processing your claim.

Update Your Benefits

Welcoming a new dependent either through birth or adoption is considered a qualified change in status that allows you to make updates to your Citi benefits. Make sure to report the change to the Citi Benefits Center within 31 days of the birth date or adoption placement date to make your changes.

Benefit changes you may want to consider include:

  • Adding your child to your medical plan
  • Changing medical plans
  • Enrolling in or changing your contribution amount to a Dependent Care, Health Care or Limited Purpose Spending Account.
  • Adding or increasing Group Universal Life insurance coverage
  • Enrolling in Long-Term Disability coverage (without needing to provide evidence of insurability)

In addition, you may want to take this time to update your life insurance and/or retirement plan beneficiaries and update your income tax exemptions.

Visit My Total Compensation and Benefits to make benefit changes.

To enroll or make changes to your Group Universal Life or Supplemental Accidental Death and Dismemberment (AD&D) insurance, visit the MetLife MyBenefits website through My Total Compensation and Benefits or call MetLife at 1-888-830-7380.

Arrange for Child Care — and Have a Back-up Plan

  • Find affordable child care through Bright Horizons.
  • Arrange back-up child care, either in a Bright Horizons center or in your home.
  • Receive an additional 20 days of back-up care when you return to work after a little one joins the family (available within the first 12 months after birth or adoption). You can even use these days to try out a new center or as you consider your full-time child care options. These extra 20 days can be used at any center or with any in-home provider in the back-up care network (not available at Citi full-service centers).
  • Access 10 days of transition care for your new child’s sibling(s) at a Citi back-up center if you take advantage of Bright Horizons’ return-to-work care, as described above.

Pay for Child Care Tax-Free

Consider setting up a Dependent Day Care Spending Account (DCSA) to pay for eligible childcare expenses as one of the changes you make to your benefits. You can contribute up to $5,000 each year on a before-tax basis and use those funds for eligible day care expenses for your child(ren) under the age of 13 and/or adult/elder dependents.

Update Your Will

Plan ahead for your newly expanded family with the help of the MetLife Legal Plan. The program provides help for a wide range of personal legal issues, such as creating or updating a will.


Parenting Support

Citi values the importance of family and has many policies and programs in place to support you as you adjust to life with a new child.

New Parent Program

Our New Parent Program is here to support you as you transition into parenthood. It’s available to both expectant and new parents and offers a variety of pre-recorded sessions on topics pertaining to work/life balance.

The New Parent Program:

  • Provides tools, insights and information for managing an effective transition to life as a working parent.
  • Assists in promoting your career development alongside your new life role.
  • Provides ongoing resources that support your transition to life as a working parent.

Learn more about the resources available to support you through our New Parent Program on Citi For You (intranet only).

Ease Your Transition Back to Work

Returning to work from a leave can be a challenging time for a parent. Keep in mind the following tips to help make the transition a little smoother:

  • Consider scheduling a check-in call with your manager towards the end of your leave to review the details of your return and ensure they have entered your return-to-work date in Workday.
  • Confirm your child care arrangements to reduce any stress about caregiving while you’re at work.
  • Plan your morning and evening routines at home for yourself and other family members to help ease the transition to a new schedule.
  • Consider returning mid-week to make your first week back less hectic.
  • Make plans prior to your return to reactivate your company issued ID card and mobile device.
  • Connect with another colleague who is a parent for advice.
  • Ask that your manager ensure your building/system access is restored prior to your return to the office.
  • Request access to the lactation room if available at your worksite. Details are available on Citi For You (intranet only).

Breastfeeding Support on LiveHealth Online

Anthem plan members have no-cost access to Breastfeeding Support on LiveHealth Online, offering secure and private video chats with certified lactation consultants, counselors, or registered dieticians. Experts can help provide support to help you with breastfeeding techniques regarding milk production, baby hunger cues, foods to avoid, postpartum nutrition, and more.

Find Child Care

Citi partners with Bright Horizons to make it easier for you to find child care that meets your needs. Take advantage of preferred enrollment and discounts at Bright Horizons centers, back-up care options for children and dependent adults, free access to Sittercity to find care providers, personalized nanny placement with reduced fees and much more.

Plus, when you welcome a new child, you receive an additional 20 days of back-up care (available within the first 12 months after birth or adoption) for your new child, and an additional 10 days of transition care for your new child’s sibling(s) at a Citi back-up center.

Care for Yourself

Adjusting to life with a new child isn’t always easy. Make sure you take the time to care for yourself as you adjust to the new changes. Consider turning to the following resources for support: