New Jersey fertility insurance mandate: IVF coverage

The NJ Family Building Act

New Jersey State Mandate requires insurance policies that cover more than 50 people and provides pregnancy-related benefits to cover the cost of the diagnosis and treatment of infertility. The law defines infertility as the disease or condition that results in the inability to get pregnant after one year of unprotected sex (female partner under the age of 35) or six months of unprotected sex (female partner over the age of 35) or the inability to carry a pregnancy to term. Insurance plans must be fully-funded, and the headquarters of the employer must be in New Jersey.

Coverage includes, but is not limited to:

  • Diagnosis & diagnostic tests
  • Medications
  • Surgery
  • In vitro fertilization (IVF)
  • Embryo transfer
  • Artificial insemination (IUI)
  • Intracytoplasmic Sperm Injection (ICSI)
  • Four completed egg retrievals per lifetime

Does insurance cover IVF?

Coverage for IVF is only if:

  • The patient has used all reasonable, less expensive and medically appropriate treatments and is still unable to get pregnant or carry a pregnancy.
  • The patient has not reached the maximum number of allowed egg retrievals and the patient is 45 years of age or younger.
  • The procedures are performed at facilities that conform to standards set by the American Society for Reproductive Medicine or the American College of Obstetricians and Gynecologists.

New Jersey locations

Livingston, NJ

94 Old Short Hills Rd., Suite 403, East Wing
Livingston, NJ 07039

Phone: (973) 548-9900
Fax: (973) 548-9500

Hours

Office hours: Monday – Friday: 8:30am – 4:30pm
Monitoring hours: Monday – Sunday: 6:00am – 9:30am

Clark, NJ

100 Walnut Ave., Suite 104
Clark, NJ 07066

Phone: (732) 943-7169
Fax: (732) 943-7179

Hours

Office hours: Monday – Friday: 8:30am – 4:30pm
(Monday evening appointments available)

Monitoring hours: Monday – Sunday: 6:30am-9:30am

Jersey City, NJ

66 York St., Suite 301
Jersey City, NJ 07302

Phone: (201) 275-0010
Fax: (201) 918-4531

Hours

Office hours: Monday – Friday: 8:30am – 4:30pm
Monitoring hours: Monday – Friday: 6:15am – 9:00am

Old Bridge, NJ

2 Hospital Plaza, Suite 330
Old Bridge, NJ 08857

Phone: (732) 786-7900
Fax: (732) 786-7392

Hours

Office hours: Monday – Friday: 8:30am – 4:30pm
(Thursday evening appointments available)

Monitoring hours: Monday – Sunday: 6:00am -8:30am

Princeton, NJ

8 Forrestal Rd., Suite 204
Princeton, NJ 08540

Phone: (609) 448-4300
Fax: (609) 448-4377

Hours

Office hours: Monday – Friday: 8:30am – 4:30pm
(Monday evening appointments available)

Monitoring hours: Monday – Friday: 6:30am – 9:00am

Staten Island, NY

1441 South Ave., Suite 201
Staten Island, NY 10311

Phone: (718) 697-0255
Fax: (718) 521-6151

Hours

Office hours: Monday – Friday: 8:30am – 4:30pm
(evening hours available by request)

Monitoring hours: Monday – Friday: 6:00 – 8:30am

Teaneck, NJ

400 Frank W. Burr Blvd., Glenpointe, Suite 145
Teaneck, NJ 07666

Phone: (201) 645-1873
Fax: (201) 645-1872

Hours

Office hours: Monday – Friday: 8:30am – 4:30pm
(Monday evening appointments available)

Monitoring hours: Monday – Friday: 7:00am – 9:00am

Wall, NJ

3350 Highway 138, Suite 225
Wall, NJ 07719

Phone: (732) 540-1444
Fax: (978) 244-5155

Hours

Office hours: Monday, Wednesday, Thursday: 8:30am – 2:30pm
(extended afternoon telehealth hours on Wednesdays)

Monitoring hours: Monday-Friday: 6:30am – 9:00am