IVF Insurance Coverage in New Jersey
New Jersey has an IVF insurance mandate.
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Use New Jersey coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.New Jersey IVF guideCosts, clinics, insurance and success-rate context for New Jersey.Compare New Jersey clinicsUse published fees with CDC outcome data before contacting clinics.Check insurance rulesState mandates, ERISA self-insured exclusions and employer-plan checks.Compare payment routesFinance, refund programs, multi-cycle packages and employer benefits.Check success ratesCompare age-band outcomes alongside price and access.
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Pair coverage rules with real New Jersey IVF costs
Insurance rules determine whether a mandate may apply, but clinic quotes still need to be checked for medication, IUI, embryo transfer, storage and add-on fees.
- 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 →