Health Insurers Required To Cover Fertility Treatments Under New Jersey Bill

Legislation that would amend current law on health insurance coverage to remove barriers to receiving infertility treatment services passed the Senate.

The bill would require health insurance carriers to cover any services related to infertility in accordance with American Society for Reproductive Medicine guidelines and as determined by a physician, including intrauterine insemination, genetic testing, unlimited embryo transfers, in accordance with guidelines from the American Society for Reproductive Medicine, and any other services related to infertility that have been recommended by a physician.

“As many as one in six people of childbearing age suffer from difficulties involving infertility. And while viable treatment services are available, they are often too expensive or too difficult to access,” said Senator Vitale (D-Middlesex), Chair of the Senate Health, Human Services and Senior Citizens Committee. “Through this legislation, we will begin to change our way of thinking about infertility, treat it like the disease that it is, and require health insurance to help cover the cost.”

Two committee amendments added to the bill include a) one requiring insurance carriers to cover any services related to infertility in accordance with American Society for Reproductive Medicine guidelines and as determined by a physician; and b) a second stipulating that nothing in the definition of “infertility” may be used to deny or delay treatment to any individual.

“Given the exorbitant costs that persist in infertility treatment services, as well as the outdated definition of ‘infertility,’ many New Jerseyans seeking to start a family can grow frustrated and depressed,” said Senator Stack (D-Hudson). “This bill will help New Jersey residents more easily access and afford infertility services of their choosing.”

According to the Centers for Disease Control and Prevention (CDC), one in eight women have difficulty getting pregnant or sustaining a pregnancy. More recent data from the World Health Organization (WHO) suggests the prevalence is as high as one in four.

The bill, S-3627, was advanced by the Senate by a vote of 34-1.

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  1. Apparently this is only for larger groups such as business with 50 employees or more
    If I remember well this was already the law a few years, but what it looks like is, that insurance companies found some loopholes and over time stopped paying slowly, and they now want to stricten the regulations for the same larger groups, this is great news for those that fall in to that criteria, but much more needs to be done as most ppl do not.


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