IVF coverage in New Hampshire for single and LGBTQ+ patients
New Hampshire's law uses an inclusive definition of infertility: you qualify based on a physician's finding or on being unable to conceive without medical intervention, with no requirement for a period of unprotected heterosexual intercourse. Plans in scope of the law cannot make single or same-sex-partnered patients pay out of pocket for the diagnostic phase that heterosexual couples get covered.
What to ask
- "How does the plan define infertility, and does it apply to me?"
- "Is donor sperm or donor egg purchase covered?" (Most state laws exclude the purchase; some carve-outs cover it.)
- "Are IUI cycles required before IVF, and do self-paid IUIs count?"
Where people get surprised
- Self-funded employer plans (the card usually says 'administered by') are exempt under federal ERISA — appeals go through the plan's internal process and the U.S. Department of Labor, not the state regulator.
- SHOP (small-business marketplace) plans and individual-market plans are not covered by the mandate — RESOLVE lists NH as a group-market mandate.
- 'Duration of the policy term' storage: if you change carriers, storage coverage may stop — confirm before the plan year ends.
- Carriers may still apply clinical-guideline limits (e.g., ASRM-based) — ask for the written guideline used in any denial.
- NH Medicaid does not cover IVF.