Expands insurance coverage of in vitro fertilization

New York's S 2619 requires large employer health insurance plans to cover up to three cycles of in vitro fertilization (IVF) for infertility treatment. This applies to policies providing comprehensive medical coverage, with coverage subject to standard deductibles and co-payments like other benefits. The bill removes prior restrictions limiting IVF coverage to three cycles, mandating insurers to include it as part of infertility treatment. It defines a "cycle" as either fresh or frozen embryo transfer procedures under medical guidelines. The law does not cover experimental treatments or other excluded procedures listed in the bill.