As part of New York’s 2020 budget, a new fertility insurance law mandates that most commercial insurance plans 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 new laws will help treatment become more affordable. Here are answers to some commonly asked questions about the new law.
When does the new fertility insurance law take effect?
The update to the existing fertility mandate takes 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 new mandate.
Does the new law cover single women and LGBTQ+ couples?
The anti-discrimination language in the bill prohibits discrimination based on marital status, age, sexual orientation or gender identity. Single women and lesbians are covered. However, surrogacy is currently illegal in New York, so single or gay men would not benefit from the new mandate.
To learn more, watch this video about New York’s new health insurance laws.