New Jersey

What is the mandate type for New Jersey?

For New Jersey, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is up to four IVF cycles; lifetime dollar cap is not stated; age restriction is under the age of 46, recorded from its source on 2026-08-17; source re-checked 2026-09-29.

With New Jersey fertility insurance, as long as you are under the age of 46 and have a group policy that includes at least 50 people, with pregnancy-related benefits, you are potentially eligible for a variety of infertility treatments. This includes a menu of items such as up to four IVF cycles with ICSI, GIFT, or ZIFT, as well as use of donor eggs and even the potential to use a gestational carrier or surrogate. But except in cases where the patient must undergo treatment that puts fertility at risk, such as chemotherapy, cryopreservation is not covered. Also, there are some exceptions to which insurers must follow the mandate – neither religious employers or those who self-insure are required to provide this coverage.

— cofertility.com, retrieved 2026-08-17