Bill > S03155

This bill modifies existing New York state insurance law to enhance protections for individuals seeking in vitro fertilization (IVF) treatment, specifically for women aged 35 and older. The legislation prohibits insurance providers from discriminating against patients based on various personal characteristics such as age, sex, sexual orientation, marital status, or gender identity, and prevents insurers from denying coverage due to an individual's expected length of life, disability, medical dependency, or perceived quality of life. The key new provision prevents insurers from requiring that all embryos from a prior IVF cycle be transferred before covering a subsequent cycle for women who are 35 years of age or older. This change aims to provide more flexible and patient-centered fertility treatment options, recognizing that older women might have different medical needs and constraints in their IVF treatment. The bill applies to both insurance companies and healthcare service corporations, and will take effect immediately upon enactment.