Not all employers have to offer IVF coverage under the NYS mandate. If your employer is self-insured they don’t have to follow the mandate. Your employer must have 100+ employees to be considered eligible.
Questions to ask your employer:
- Is our health insurance provided controlled by New York State?
- Is our health insurance plan fully insured?
- Are we part of the large group market?
If yes, you may have IVF coverage.
We hope this information is helpful. Keep in mind that whenever you are entering into costly medical treatment, it is very important to fully familiarize yourself with your insurance policy. Make sure you understand your coverage for medications, labs, deductibles, co-payments and co-insurances. Don’t be afraid to call your insurance company. Remember, your doctor’s office can only answer your insurance related questions in general terms. The insurance company will have the latest, up to date information on your specific policy.