New Hampshire is one of the most recent states to pass legislation that would require group insurance plans to cover the diagnosis of infertility and IVF for all patients. The legislation features inclusive, gender-neutral language, meaning New Hampshire residents are eligible for IVF coverage regardless of their gender.
In addition to covering IVF, the legislation will require group insurance plans to cover fertility preservation treatment for cancer patients who are undergoing chemotherapy. However, the legislation does have certain limitations and restrictions. For example, the new IVF mandate is only applicable to employer-sponsored health insurance plans. This means if you are covered by an individual health insurance plan purchased on the state’s health insurance exchange or Medicaid, you will not be eligible for IVF coverage.
Also, the legislation does not include coverage for surrogacy-related legal fees, compensation for a surrogate or the transfer of an embryo to a carrier. The legislation is set to go into effect on January 1, 2020.
Want to improve New Hampshire’s fertility coverage mandates? Contact RESOLVE and ask how to help lobby for coverage in your area. You never know.
Do insurance companies have to cover IVF?
Yes, for employer-sponsored health plans.