Health Insurance Coverage for IVF and Fertility Preservation in New York

There has been a mandate change in New York that will affect health insurance in 2020. IVF will now be covered by large group insurance plans!

On March 31, 2019 the New York State legislature passed the new 2020 Budget that will go into effect on January 1, 2020. This will help couples who have trouble conceiving get the treatments they need at a reduced cost.

The new insurance law will affect companies who have a fully-insured Large Group plan (100 or more employees). This is estimated to affect approximately 2.5 million New Yorkers. Individuals in New York who have insurance through their NY-based employer will get coverage for up to three IVF cycles starting next year. Couples will be covered for both fresh and frozen embryo transfers.

In addition to IVF coverage for infertile couples, the law will also help cancer patients who wish to grow their families.

Those covered by a fully-insured Small Group, Large Group, or individual plan (including “Obamacare”) in NY will be covered for medically necessary fertility preservation. This is estimated to affect approximately 4.7 million New Yorkers. The new law will cover those who may become infertile due to medical reasons such as surgery, radiation, or medication. Embryo transfers are not required to be covered with this law however.

Be sure to check your benefits for the upcoming year with your health insurance carrier, employer, or HR department. And schedule your appointment today at Sher Fertility Institute New York in Manhattan for the new year to ensure you get in before we are booked!