What are the laws related to assisted reproductive technology and access to insurance in the United States?

In the United States, the laws related to assisted reproductive technology and access to insurance vary by state. In New York, State Law 242 gives couples who use assisted reproductive technology access to insurance coverage for their fertility treatments. The law requires private health insurance companies to provide coverage for infertility diagnosis and treatment, such as in vitro fertilization, to all insured individuals. This includes high-deductible plans, health maintenance organizations, and other forms of private health plans. The law also states that insurance policies must cover any infertility drugs or procedures that are used in the course of fertility treatments or procedures, including egg and sperm donation, surrogate motherhood, and embryo transfers. In addition to providing coverage for fertility treatments, the law also defines when reproductive services, such as in vitro fertilization, are medically necessary and how they will be paid for. It requires insurers to provide coverage as long as the service is deemed medically necessary and the treatment is provided by a licensed doctor. Individuals who are not covered by health insurance may receive fertility treatments through Medicaid. Since New York is one of the few states with such a comprehensive law governing access to fertility treatments and insurance coverage for them, individuals should research whether additional laws exist in other states.

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What are the laws related to assisted reproductive technology and access to insurance in the United States?

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