I work and reside in New Jersey. I have United Health Care and their website says:

The following services are not covered:
● Health services and associated expenses for infertility treatments including, but not limited to:
● In vitro fertilization
(IVF);
● Gamete intrafallopian
transfer (GIFT);
● Zygote intrafallopian
transfer (ZIFT);
● Artificial insemination;
● Embryo transport;


Does anyone know if NJ's 'family-building' act overrides these rules if someone is employed and resides in NJ. My employer has more than 10K employees all over the US.

To view NJ's law online, visit http://www.state.nj.us/dobi/acrobat/pn02_260.pdf

Any insights, anyone?