Bill > S00698

This bill amends the New York insurance law to create a new type of credit insurance policy that provides financial protection for intended parents who undergo in-vitro fertilization (IVF) or intrauterine insemination (IUI) treatments that do not result in the birth of a child. The bill allows insurers to offer policies that can cover expenses related to failed fertility treatments, including living expenses for the person acting as a surrogate, travel costs for the treatment, and certain medical expenses not covered by comprehensive health insurance. The bill requires that any such credit insurance policy must clearly state that it is not a substitute for comprehensive health insurance. The legislation also updates terminology, replacing phrases like "birth mother" with "gestational parent" to use more inclusive language. Importantly, the bill specifies that while these policies can cover various expenses associated with failed fertility treatments, they cannot solely cover medical and hospital expenses, co-payments, deductibles, or coinsurance. The new insurance option aims to provide some financial relief to individuals and couples experiencing the emotional and economic challenges of unsuccessful fertility treatments.

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https://www.nysenate.gov/legislation/bills/2025/S698