It’s the beginning of a new year, which means new laws are officially taking effect, carrying implications for HR and benefits teams—and for your employees. Navigating complex federal, state, and local laws will help you set the stage for success in the year ahead. As conversations around paid family leave policies continue at the federal level, more employers are implementing inclusive and innovative family benefits that augment legally-mandated policies like the Family and Medical Leave Act (FMLA), to meet the demands of millennials in the workforce and keep a competitive edge in attracting and retaining top talent. Still, compliance with legal requirements remains a major focus, and having a finger on the pulse of updated state laws around the country helps give you a glimpse of what the future could hold.
Here’s a roundup of the new laws focused on women and families that you need to know about going into 2020.
IVF coverage now mandated in New York state
As of January 1, 2020, health plans in New York are required to cover up to three rounds of in vitro fertilization (IVF). In April 2019, lawmakers in Albany passed the budget measure that requires insurance plans for employers with 100 or more workers, cover IVF and associated medications, as well as testing for infertility. While plans may not place annual dollar limits on IVF coverage, families will have a lifetime limit of three IVF cycles and services will be subject to an individual’s cost-sharing requirements, like deductibles or co-pays. Under the new law, large-group plans are also required to cover medically necessary egg and sperm freezing or embryo storage, such as for individuals who are undergoing chemotherapy. The new law will cover an estimated 2.4 million New Yorkers, helping to lift the financial burden of fertility treatments for many women and families. While this is an important step, New York state’s definition of infertility is embedded within the law, which means that coverage will exclude many individuals, including LGBTQIA+ couples, as it requires an individual be diagnosed with infertility in order to be eligible for this coverage from their insurer.