# New Jersey — State insurance mandates for fertility treatment and IVF coverage

For New Jersey, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is 4 IVF cycles; lifetime dollar cap is no statutory cap; age restriction is under age 46, recorded from its source on 2026-08-15.

- **State:** New Jersey _(verified: appears in the quote below)_
- **Mandate type:** mandate to cover _(our reading, not quoted from the source)_
- **IVF covered:** yes
- **Cycle or retrieval limit:** 4 IVF cycles
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** under age 46
- **Employer size threshold:** 50 _(verified: appears in the quote below)_
- **Self-insured plans exempt:** yes
- **Religious employer exempt:** yes
- **Prior treatment required:** no _(verified: appears in the quote below)_
- **Effective date:** not stated
- **Statute citation:** not stated

## What the source says

> New Jersey 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. New Mexico No fertility insurance here.

## Source

- https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up

Last verified: 2026-08-15. Review by: 2027-02-11.
Part of [State insurance mandates for fertility treatment and IVF coverage](https://referencesource.org/state-fertility-insurance-mandates/).