NY A07891

Removes the existing three-cycle limit on in vitro fertilization (IVF) coverage for large group insurance policies, requiring coverage for IVF treatment of infertility without a cap on number of cycles

Mandates that individual health insurance policies covering hospital care must provide coverage for IVF used in the treatment of infertility, subject to standard deductibles and copayments

Requires coverage for diagnostic tests and procedures necessary to determine infertility, including hysterosalpingogram, hysteroscopy, laparoscopy, semen analysis, blood tests, and ultrasound

Mandates coverage for FDA-approved prescription drugs used in diagnosing and treating infertility, and requires equal coverage terms for fertility drugs purchased at retail pharmacies versus mail-order pharmacies

Defines infertility as failure to establish pregnancy after 12 months of unprotected intercourse (or 6 months for women 35 and older), and prohibits insurers from discriminating based on age, sex, sexual orientation, marital status, or gender identity in providing coverage