Bill > A03795

This bill amends the New York insurance law to create a new type of credit insurance policy that provides financial protection for intended parents undergoing fertility treatments like in-vitro fertilization (IVF) or intrauterine insemination (IUI) when these treatments fail to result in a live birth. The policy would allow intended parents or surrogates to be reimbursed for various expenses related to failed fertility treatments, including living expenses during treatment, travel costs for medical procedures, and other incidental expenses not covered by comprehensive health insurance. The bill requires insurers offering such policies to clearly state that the credit insurance is not a substitute for regular health insurance, and it mandates that excess line brokers also provide this disclosure. The bill updates terminology around parenthood and surrogacy, replacing terms like "birth mother" with "gestational parent" and providing more precise definitions for terms related to assisted reproductive technologies. The new insurance provision aims to provide financial relief for individuals and couples experiencing the emotional and economic challenges of unsuccessful fertility treatments, with the insurance coverage taking effect 30 days after becoming law.

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https://www.nysenate.gov/legislation/bills/2025/A3795