New York
What is the mandate type for New York?
For New York, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is up to three IVF cycles; lifetime dollar cap is not stated; age restriction is not stated, recorded from its source on 2026-08-17; source re-checked 2026-09-29.
As part of a new law enacted in 2020, New York fertility insurance offers those who have large group insurance plans of 100 or more, up to three IVF cycles. Also, those that include prescription drug coverage must provide medication for the diagnosis and treatment of infertility. What’s more, it’s now necessary to cover egg freezing for all private insurance companies in medically necessary cases. So, you are eligible if you have a condition such as sickle cell anemia, are undergoing chemotherapy, or are undergoing sex-reassignment surgery. Those who self-insure are exempt here.
— cofertility.com, retrieved 2026-08-17
- State
- New York verified
- Mandate type
- mandate to cover our reading
- IVF covered
- yes our reading
- Cycle or retrieval limit
- up to three IVF cycles verified
- Lifetime dollar cap
- not stated
- Age restriction
- not stated
- Employer size threshold
- large group insurance plans of 100 or more verified
- Self-insured plans exempt
- Those who self-insure are exempt here our reading
- Religious employer exempt
- not stated our reading
- Prior treatment required
- not stated our reading
- Effective date
- enacted in 2020 verified
- Statute citation
- not stated
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
Source
- cofertility.comhttps://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up