Does New York University cover IVF?
What New York University publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
- Re-checked quarterly · checked Oct 30, 2026
Yes. New York University says it covers IVF for eligible US employees, up to 3 Progyny Smart Cycles. Part-time workers can qualify: part-time staff enrolled in NYU's Aetna Value plans get the Progyny benefit, and pay the full cost of their medical coverage. The benefit is run by Progyny.
What New York University says it covers
Read on Oct 30, 2026. The words in quotation marks are the source's own.
IVF is covered
“Fertility Treatments Covered Under Your Progyny Benefit: IVF Fresh Cycle An IVF fresh cycle starts by stimulating the ovaries with a course of medications.”
Faculty and employees in NYU's Aetna Value, Advantage and HDHP plans and NYU Langone Care plans
3 Smart Cycles
Per family, for life. Progyny Rx covers fertility drugs. Part-time staff in the Aetna Value plans have the same three Smart Cycles.
“Fertility treatments are bundled into Smart Cycle values instead of dollars, with a Three Smart Cycle lifetime benefit limit.”
Run by Progyny
Progyny administers the fertility benefit for New York University, so it is the one to call about which clinics are in network and what needs approval first.
“With Progyny as your fertility benefit provider, you will have high-quality, concierge-level care from dedicated Patient Care Advocates (PCA)”
Infertility diagnosis
New York University says you do not need an infertility diagnosis to use the benefit.
“Progyny's program does not require a medical infertility diagnosis, ensuring access to coverage for LGBTQ+ community members and single parents.”
Egg freezing
New York University says egg freezing is covered.
“Fertility Preservation (Egg Freezing) Egg freezing, or oocyte cryopreservation, allows a member to preserve their fertility as they plan for the future.”
Adoption
NYU says its Adoption Assistance Program pays up to $10,000 per adoption, up to a $30,000 lifetime maximum.
“The Adoption Assistance benefit through New York University's Adoption Assistance Program will increase to $10,000 per adoption, up to a $30,000 lifetime maximum.”
Surrogacy
NYU says it reimburses up to $10,000 per surrogacy attempt, up to a $30,000 lifetime maximum.
“The University will reimburse up to $10,000 per surrogacy attempt up to a $30,000 lifetime maximum of eligible surrogacy expenses.”
Can part-time New York University workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
Part-time workers can qualify: part-time staff enrolled in NYU's Aetna Value plans get the Progyny benefit, and pay the full cost of their medical coverage.
You have to be enrolled in a New York University medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“NYU fertility benefits offered through Progyny are available to benefits eligible faculty and employees enrolled in the Aetna Value Plans.”
“Part-time staff pay 100% of the cost of medical coverage.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
New York University: stated limit
3 Smart Cycles
US: one cycle all in
$23,000–$30,000
With medications ($3,000–$7,000) and the common add-ons. How it adds up
- Faculty and employees in NYU's Aetna Value, Advantage and HDHP plans and NYU Langone Care plans: 3 Smart Cycles is 3 IVF cycles with the embryos frozen plus 3 frozen embryo transfers, or another mix that adds up to 3.
These are cash prices. A plan pays its own negotiated rates, and you still owe its deductible and coinsurance, so treat this as a rough guide. A Smart Cycle is the unit Progyny counts its benefit in: the services, tests and medications for one type of treatment are bundled and given a Smart Cycle value. By Progyny's own examples, one ivf cycle with a fresh embryo transfer uses 3/4, one ivf cycle with the embryos frozen uses 3/4, one frozen embryo transfer uses 1/4, one iui uses 1/4.
Source: Progyny, What is a Smart Cycle?
Six things to ask New York University before you count on it
A public benefits page is a summary. The plan document for your own plan and location is what the plan pays by.
- 1.What is the lifetime maximum, and do fertility drugs count toward it or have their own limit?
- 2.When does coverage start after my hire date, and how many hours a week do I need to keep it?
- 3.Do I need an infertility diagnosis, or prior authorization, before treatment is covered?
- 4.Which fertility clinics near me are in network, and what do I pay if mine is not?
- 5.What are the deductible, the coinsurance and the out-of-pocket maximum on the plan the benefit sits in?
- 6.Are egg freezing, donor eggs or sperm, genetic testing of embryos and embryo storage covered?
State insurance laws reach only fully-insured plans, and 67% of covered US workers are in self-funded employer plans, which set their own fertility benefits whatever the state requires. About 50% of employers with 500 or more workers now cover IVF. A large employer's plan is usually self-funded (80% of covered workers at large firms are in one), so what New York University chooses to cover matters more than your state's IVF insurance law.
New York University and IVF: common questions
Does New York University cover IVF?
Yes. New York University says it covers IVF for eligible US employees, up to 3 Progyny Smart Cycles. Part-time workers can qualify: part-time staff enrolled in NYU's Aetna Value plans get the Progyny benefit, and pay the full cost of their medical coverage. The benefit is run by Progyny. Read on New York University's own benefit pages on Oct 30, 2026.
How much IVF does New York University cover?
New York University states this limit: Faculty and employees in NYU's Aetna Value, Advantage and HDHP plans and NYU Langone Care plans: 3 Smart Cycles (Per family, for life. Progyny Rx covers fertility drugs. Part-time staff in the Aetna Value plans have the same three Smart Cycles.). For comparison, one IVF cycle in the US typically costs $23,000 to $30,000 all in.
Does New York University cover IVF for part-time employees?
Part-time workers can qualify: part-time staff enrolled in NYU's Aetna Value plans get the Progyny benefit, and pay the full cost of their medical coverage. You have to be enrolled in a New York University medical plan to use it. Eligibility rules are the first thing to confirm with New York University before you count on the benefit.
Does New York University cover egg freezing?
Yes. New York University says egg freezing is covered: "Fertility Preservation (Egg Freezing) Egg freezing, or oocyte cryopreservation, allows a member to preserve their fertility as they plan for the future."
How do I confirm what New York University covers?
Ask New York University's benefits center or Progyny for the plan document (the summary plan description) for your own plan and location, and check the lifetime maximum, whether fertility drugs count toward it, whether a diagnosis or prior authorization is needed, and when coverage starts after you are hired. Benefits change each plan year, usually on January 1.
- Your Progyny Benefit: NYU Member Guide, 2026 Plan Year (New York University's own page, plan year 2026)
- 2026 Benefits Guide - Researchers (professional and research staff): Family Building Benefits (New York University's own page, plan year 2026)
- 2026 Benefits Guide (part-time staff): Family Building Benefits (New York University's own page, plan year 2026)
- 2026 Benefits Guide (part-time staff): Medical Plans (New York University's own page, plan year 2026)