In New Hampshire, coverage is mandated for the treatment of infertility when it is “medically necessary,” including donor egg, sperm and embryo treatment and fertility preservation when the person is expected to undergo surgery that might risk their fertility. Even freezing and storage is included!
Insurers may not exclude pre-existing conditions or require waiting periods. Furthermore, insurers may not impose restrictions based on number of attempts, dollar amounts spent, or age. The only exemptions are for two very specific health plan types that are funded by the state, the Small Business Health Options Program (SHOP) and Extended Transition to Affordable Care Act Compliant Policies.
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.