Does New Hampshire require IVF coverage?

Coverage Details

New Hampshire: private insurance context - Covered: Group insurers, excluding small business health options program, extended transition to ACA-programs, and self-insured employers. 2024 SB 558 additionally requires coverage of up to six rounds of intrauterine insemination per plan year without requiring an infertility diagnosis. Medicaid context - Covered: Infertility services if related to diagnosis/treatment of medical conditions; Not Covered: Operations/procedures and medications for the purpose of fertility; Benefits vary between Medicaid managed care plans. State mandates vary by market and plan type and generally do not control self-funded employer plans.

Coverage Summary

How to Verify Your Coverage

1. Ask your employer or plan administrator whether the plan is fully insured or self-funded.
2. Request the plan document for infertility diagnosis, treatment, fertility preservation, medication, and laboratory benefits.
3. Confirm prior authorization, network, age, diagnosis, cycle, and lifetime-limit requirements with the insurer.
4. Ask the clinic billing team to verify both the clinic and laboratory providers for the services you expect to use.

Clinics publishing insurance or employer-benefit information

These New Hampshire clinic profiles name at least one insurer or employer fertility-benefit program in a reviewed source. Inclusion does not guarantee that your plan, treatment, physician, or laboratory is covered.