IVF Insurance Coverage in New York
New York has an IVF insurance mandate.
US IVF next steps
Use New York coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.New York IVF guideCosts, clinics, insurance and success-rate context for New York.Compare New York 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.
Also useful: IVF cost by state and true cost analysis.
- Mandate type
- Full mandate
- IVF cycles covered
- 3
- In effect since
- 2020
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
Large group (100+ employees) plans must cover 3 IVF cycles. Standard fertility preservation for iatrogenic infertility required across all group sizes. Self-insured plans excluded.
Citation: N.Y. Ins. Law § 3221(k)(6)(C); § 4303(s)
Last verified 2026-04-14.
Fertility clinics in New York
44 reporting clinics (CDC ART 2022).
- CNY Fertility Center — Syracuse
- Weill Cornell Medicine, Center for Reproductive Medicine — New York
- Reproductive Medicine Associates of New York, LLP — New York
- NYU Langone Fertility Center — New York
- New Hope Fertility Center — New York
- Columbia University Fertility Center — New York
- RMA Long Island IVF — Melville
- CCRM New York — New York
- Northwell Health Fertility — Manhasset
- Generation Next Fertility, PLLC — New York
- See all 44 clinics in New York →