Bill > S05545

This bill, known as "The Equity in Fertility Treatment Act," proposes significant changes to the definition of infertility and 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 situations where individuals or couples 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. Specifically, the bill modifies insurance law to require large group health insurance policies to provide coverage for three completed oocyte (egg) retrievals with unlimited embryo transfers, following guidelines from the American Society for Reproductive Medicine. The coverage must use single embryo transfer when medically appropriate and cannot be denied based on an individual's participation in fertility services provided by or to a third party. Additionally, the bill removes previous language that defined fertility treatment "cycles" and provides more flexible and inclusive language around fertility treatments, potentially making fertility care more accessible to a wider range of individuals, including single people and LGBTQ+ individuals seeking to have children.

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https://www.nysenate.gov/legislation/bills/2025/S5545