Bill > S02619

This bill removes previous restrictions on in vitro fertilization (IVF) coverage in New York state insurance policies, expanding access to fertility treatments. Specifically, the bill eliminates the previous limit of three IVF cycles and instead mandates that large group insurance policies provide comprehensive coverage for in vitro fertilization used in treating infertility. The bill defines infertility as the inability to conceive after 12 months of regular, unprotected sexual intercourse (or 6 months for women over 35), and requires insurers to cover diagnostic tests, medical procedures, and prescription drugs related to fertility treatment. Additionally, the bill prohibits insurance discrimination based on personal characteristics like age, sex, sexual orientation, or gender identity. The legislation also includes provisions for fertility preservation services when medical treatments might cause iatrogenic (treatment-induced) infertility. The changes will take effect on January 1, 2026, and will apply to new and renewed insurance policies from that date forward, representing a significant expansion of reproductive healthcare coverage in New York state.

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https://www.nysenate.gov/legislation/bills/2025/S2619