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Mandate to CoverSince 2001
IVF Insurance Coverage in New Jersey
New Jersey has one of the most comprehensive fertility mandates, covering IVF with generous cycle limits.
What the law covers
New Jersey requires health insurers to cover fertility treatment, including IVF, for group plans of employers with 50+ employees. The state's mandate is among the most generous, with coverage for up to 4 egg retrievals. The law was updated in 2023 to remove discriminatory language and broaden access.
Key Provisions
- Covers up to 4 egg retrievals
- Unlimited embryo transfers
- Applies to group plans of employers with 50+ employees
- Inclusive definition of infertility — updated in 2023
- Covers fertility preservation for medical necessity
Limitations & Exclusions
- Does not apply to employers with fewer than 50 employees
- Self-insured ERISA plans are exempt
- Religious employer exemptions may apply