The Fertility Link

New York

United States

Insurance Mandate

New York IVF Insurance Mandate (A7549)

Large group health insurance plans (100+ employees) regulated by New York must cover 3 IVF cycles. Small group and individual plans must cover infertility diagnosis and treatment but not IVF.

Fast-Track Tips:

Ask HR: (1) Is our health plan state-regulated or self-insured under ERISA? (2) If state-regulated and 100+ employees, NY law requires 3 IVF cycles. Self-insured (ERISA) plans are NOT subject to the mandate. (3) Get the answer in writing -- many HR reps don't know.

Insurance mandate: https://www.nysenate.gov/legislation/laws/ISC/3221
Statute: NY Insurance Law Section 3221(k)(6-a)

Information only. Not medical advice. Verify all eligibility details with the official program before scheduling.