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Mandate to CoverSince 2020
IVF Insurance Coverage in New York
New York mandates comprehensive fertility coverage including IVF under legislation effective 2020.
What the law covers
New York's fertility mandate requires large group health plans (100+ employees) to cover up to 3 IVF cycles. The law also includes fertility preservation coverage and uses an inclusive definition of infertility. New York is home to some of the nation's top reproductive endocrinology centers.
Key Provisions
- Covers up to 3 IVF cycles
- Includes fertility preservation for medical necessity
- Inclusive definition of infertility
- Applies to large group plans (100+ employees)
Limitations & Exclusions
- Does not apply to small group or individual plans
- Self-insured ERISA plans are exempt
- Religious employer exemptions may apply