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New Hampshire Fertility Billing
& IVF Mandate Guide

Covers infertility diagnosis and treatment including IVF

Statute
RSA 415:18-a
Effective
January 1, 1990
Plans Covered
Fully-insured group health plans

What's Covered Under New Hampshire's Mandate

Infertility treatment covered — IVF included; cycle limits set by individual plans. Always verify individual plan benefit designs at patient intake.

IVF
✓ Mandated

Covered under infertility treatment mandate

IUI
✓ Mandated

Covered when medically indicated

Embryo transfer
✓ Mandated

Covered as part of IVF benefit

ICSI
✓ Mandated

Covered when clinically indicated

Embryo cryopreservation
✓ Mandated

Typically covered — verify per plan

Egg freezing
✗ Not Mandated

Not specifically mandated

PGT
✗ Not Mandated

Not mandated

Self-funded employer plans (ERISA)
✗ Not Mandated

Exempt from NH state mandate

New Hampshire Billing Notes

1
Anthem NH primary payer

Anthem is the dominant insurer in New Hampshire. Submit prior auth requests 2–3 weeks before cycle initiation with complete clinical documentation.

2
Verify plan benefit design

New Hampshire's mandate is a general infertility treatment requirement. Individual plan benefit designs determine specific cycle limits and covered procedures — always verify per patient.

3
No individual market mandate

NH's requirement applies to group health plans. Individual market (ACA marketplace) plans are not required to cover IVF beyond essential health benefits.

Top Payers in New Hampshire

Anthem Blue Cross Blue Shield NH
Harvard Pilgrim Health Care
Tufts Health Plan
Cigna

EasyRCM tip: Payer requirements change frequently. We track prior auth workflows, coverage criteria updates, and denial pattern shifts for every major payer in New Hampshire — so you don't have to.

New Hampshire Fertility Billing — FAQ

Is IVF covered in New Hampshire?

Yes. New Hampshire RSA 415:18-a requires coverage of infertility treatment including IVF for fully-insured group health plans. Specific benefit limits are set by individual plan designs.

Does New Hampshire cover fertility medications?

Coverage for fertility medications varies by plan in New Hampshire. The mandate covers infertility treatment broadly — verify whether medications are covered under the medical or pharmacy benefit per plan.

Billing under New Hampshire's mandate?

EasyRCM handles fertility billing for practices in New Hampshire and all 21 mandate states — from eligibility verification and prior auth to denial appeals and A/R recovery.

Book Your Free NH Billing Review →