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Your Family Building Benefits at Deutsche Bank

Deutsche Bank offers a comprehensive and inclusive Family Building Benefits Program that provides reimbursement for infertility, surrogacy, adoption, and egg and sperm cryopreservation (“freezing”) expenses. The Family Building Benefits Program is available to all active full-time and part-time employees (min of 20 hours per week).1 Contract workers, temporary employees, interns, etc. are not eligible for reimbursement through the program.1 

  • Adoption: up to $14,890 reimbursement per employee, per year 
  • Surrogacy: up to $50,000 reimbursement per lifetime; offset by any amounts paid to you for Infertility Coverage
  • Egg/sperm Freezing for social preservation, or when cryopreservation is related to Advanced Reproductive Therapy that has been deemed to be non-medically necessary: up to $10,000 per lifetime; offset by any amounts paid to you for Infertility Coverage2
  • Infertility Coverage: up to $30,000 for medical procedures and an additional $20,000 for prescriptions, per lifetime; offset by any amounts paid to you for Surrogacy and/or Egg/sperm Cryopreservation2

Note, you may be eligible to have your Infertility or Egg/Sperm Freezing expenses covered under the Deutsche Bank Medical Plan when you meet Aetna’s medical necessity requirements. For detailed information on the Infertility and/or Egg/Sperm Cryopreservation coverage available through the Deutsche Bank Medical Plan, review the Deutsche Bank Medical Summary Plan Description or contact Aetna directly at 1-800-963-0955

For questions regarding the Deutsche Bank’s Surrogacy and/or Adoption reimbursement, employees may submit an inquiry via HR Help (select Create new HR Request > Benefits > Family Friendly Offerings). All other questions can be directed to Ovia Health following the directions on the next page.


To qualify for reimbursement, the person receiving the services must be enrolled in the Deutsche Bank Medical Plan and must complete a precertification process through Aetna to determine eligibility. To request a precertification review, you or your provider will need to contact Aetna’s National Infertility Hotline at 1-800-575-5999. If after the review of your records, Aetna has determined that you do not meet medical necessity, then you may be eligible for reimbursement outside of the Deutsche Bank Medical Plan through the Deutsche Bank Family Building Benefits Program. 

Note: some of the medical services that you may need to undergo in order to determine if you meet the definition of infertility may be covered under the Deutsche Bank Medical Plan and may not be subject to the Plan’s Infertility Coverage lifetime maximum; questions related to this should be referred to Aetna directly at 1-800-963-0955.

Important Note About Prescription Drug Coverage:

Even if Aetna has determined that your healthcare services cannot be covered under the Deutsche Bank Medical Plan, you may still be eligible to pursue prescription drug coverage through CVS Caremark’s Specialty Pharmacy. Using CVS Caremark’s Specialty pharmacy will enable you to avoid taxation that applies when benefits are paid outside of the Medical and Prescription Drug Plans. For instructions, contact CVS Caremark at 1-888-543-4920 prior to filling your prescription. 


Deutsche Bank has partnered with Ovia Health to provide you support throughout the reimbursement process and answer any sensitive questions you may have. To engage with Ovia Health, follow these steps:

  1. Download the Ovia app (Fertility, Pregnancy, or Parenting).  Follow the prompts to create your profile. Tap  “More” and then “My healthcare info” (under the Account category) and enter your Health Plan/Employer info.  This will activate the ability for you to connect with someone from the Ovia Care Team. Should you experience any difficulties or need support with the app, don’t hesitate to reach out by emailing
  2. Click on the Coaching Icon, create a new message (click the pencil in the upper right corner) and choose the option of sending a message to your Ovia Care Advocate letting them know what type of expenses you are interested in obtaining reimbursement on through the Family Building Benefits Program.  Please be sure to let the Care Advocate know whether you are a Deutsche Bank employee or a covered dependent of a Deutsche Bank employee.
  3. Ovia will work with Aetna and CVS Caremark to determine how much of your lifetime maximum has been used and will let you know how much you are eligible for reimbursement.
  4. Submit your Aetna precertification denial letter along with your itemized receipts to Your Care Advocate will process your receipts and let you know how much your reimbursement will be (before taxes). Note: Claims must be submitted within 6 months of the service date.


After Ovia has processed your receipts, your payroll team will be notified and you can expect to receive your reimbursement within 1-2 pay cycles. Note that the amount you will receive in your paycheck will be after taxes, as the reimbursed expenses are considered taxable income. Ovia does not provide tax advice. You should consult your personal tax advisor for information on the tax consequences specific to your situation.

1 Certain conditions and limitations apply. 

2 Requires enrollment in a Deutsche Bank medical plan.

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