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New York Infertility Insurance Coverage

Infertility treatments can be costly, especially since more than one cycle of treatment is usually needed. Couples turn to their insurance companies as a way to cover some of the costs.

Only 15 states currently have laws in place that require insurance plans to offer coverage or provide coverage for infertility services. New York is one of the states that has provisions in place.

According to Article 32 of New York Insurance Law, health policies are prohibited from excluding coverage for care that would otherwise be covered by the policy simply because the medical condition results in infertility. In 2002, the law was amended, requiring certain insurers to cover treatment for women between the ages of 21 and 44 years old. However, this law includes certain stipulations. It does not cover IVF, gamete intrafallopian tube transfers (GIFT), and zygote intrafallopian tube transfers (ZIFT).

Additionally, New York has a program for eligible New York residents that provides grants for IVF. For more information, please contact the New York State Department of Health.

Before you begin your infertility treatments, it is a good idea to talk directly with your insurance plan provider. That way, you will be able to find out what exactly your plan will cover, so you won’t be surprised by any charges later.