New York IVF guide

Employer Fertility Benefits

Employer fertility benefits can be valuable, especially in New York, but they still need to be translated into a practical treatment plan.

What to request from HR

Ask for the fertility benefit summary, plan type, covered services, network rules, medication coverage, lifetime maximums, and prior authorization process.

Bring this to the clinic

The clinic billing team can often help interpret the benefit, but they need the plan details. Ask them to identify what is covered, what is excluded, and what must be approved first.