Bill > A00885

This bill, known as "The Equity in Fertility Treatment Act," proposes significant changes to health insurance coverage for fertility treatments in New York. The bill expands the definition of infertility to include not just traditional medical diagnoses, but also scenarios involving single individuals or couples who cannot reproduce without medical intervention, and cases where a licensed physician determines infertility based on medical, sexual, or reproductive history, age, physical findings, or diagnostic testing. It mandates that large group health insurance policies provide coverage for completed oocyte retrievals and in-vitro fertilization (IVF) with unlimited embryo transfers, following guidelines from the American Society for Reproductive Medicine and emphasizing single embryo transfer when medically appropriate. The bill removes previous language defining fertility treatment "cycles" and ensures that coverage cannot be denied based on an individual's participation in fertility services involving third parties. Importantly, the bill allows for annual deductibles and coinsurance consistent with other medical benefits and recognizes both iatrogenic infertility (fertility impairment caused by medical treatments) and broader, more inclusive definitions of reproductive challenges. The legislation aims to provide more comprehensive and equitable fertility treatment coverage for diverse individuals and families.

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https://www.nysenate.gov/legislation/bills/2025/A885