NY Insurance Laws for IVF Coverage

As part of a New York State fertility insurance mandate, most commercial insurance plans now cover IVF. Also, all such insurance plans must cover medically necessary fertility preservation, including egg freezing. At GENESIS, we are committed to educating people who struggle with infertility about how these laws help treatment become more affordable. Here are answers to some commonly asked questions about the mandate.

When did the new fertility insurance law take effect?

The update to the existing fertility mandate took effect on January 1, 2020.

How do I know if my insurance covers IVF?

Large group insurance plans offered by employers with 100 or more employees must cover up to 3 cycles of IVF treatments. However, small group plans and self-insured policies are not guaranteed to cover fertility treatments. If you are not sure if your plan covers IVF, please contact us and we will help you determine the level of coverage you have.

How many cycles of IVF are covered?


Are there any age restrictions for coverage?

The law does not specify an age restriction. The experts at GENESIS Fertility will help you determine if you are a good candidate for IVF.

Is egg freezing covered by the new law?

Yes and no. The new law requires all insurance plans to cover medically-necessary fertility preservation, which includes egg freezing. This is particularly useful for women who undergo life-saving cancer treatments like surgery, radiation and chemotherapy. However, elective egg freezing is not part of the mandate.

Does the new law cover single women and female couples?

The anti-discrimination language in the bill prohibits discrimination based on marital status, age, sexual orientation or gender identity. Therefore single women and lesbians are covered.

Does the overturn of Roe vs. Wade affect IVF?

The overturn of Roe v. Wade itself does not make IVF or other forms of fertility care illegal. Check out “Understanding IVF Access in a Post Roe v Wade World” for up to date information.

Take the Next Step – Schedule an Appointment

Egg Freezing Programs GENESIS Fertility NYC

To learn more, watch this video about New York’s new health insurance laws.

Wondering if you qualify for the NYS infertility mandate benefits?
Take our New York State Fertility Mandate Questionnaire.

For over 10 years GENESIS has been leading the way, blazing a trail for patients to have access to fertility care. This is not just for our patients, but for ALL New Yorkers.

View our timeline to learn how GENESIS has been an advocate for fertility.

Original post Sept 9, 2019
Updated March 16, 2021
Updated August 2022

If you would like to learn more about GENESIS Fertility New York or are ready to schedule an appointment, please speak with one of our representatives at 718-GENESIS.

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