IVF Insurance Coverage in New Jersey
New Jersey has an IVF insurance mandate.
- Mandate type
- Partial mandate
- IVF cycles covered
- 4
- In effect since
- 2001
Who the mandate applies to
- Large-employer plans: Required
- Small-employer plans: Exempt
- Individual market: Not required
- Self-insured employer plans (ERISA): Excluded — federal ERISA preemption applies
Statute and notes
Up to 4 completed egg retrievals. Must have documented infertility. Employer size threshold: 50+. Religious employers exempt. Self-insured plans excluded.
Citation: N.J. Stat. § 17B:27-46.1x
Last verified 2026-04-14.
Fertility clinics in New Jersey
14 reporting clinics (CDC ART 2022).
- Reproductive Medicine Associates of New Jersey — Basking Ridge
- Institute for Reproductive Medicine and Science, Saint Barnabas Medical Center — Livingston
- South Jersey Fertility Center — Marlton
- University Reproductive Associates, PC — Hasbrouck Heights
- Cooper Institute for Reproductive Hormonal Disorders, PC — Mount Laurel
- Damien Fertility Partners — Shrewsbury
- Reproductive Science Center of New Jersey — Eatontown
- Valley Hospital Fertility Center — Paramus
- Fertility Institute of New Jersey and New York — Oradell
- Shore Institute for Reproductive Medicine dba, Morgan Fertility and Reproductive Medicine — Lakewood
- See all 14 clinics in New Jersey →