Hi Everyone: I run my own business in New Jersey and I have AETNA Small Group Choice, (POS) I have been paying for myself and my employees for the last 10 years. I have been told since I am less than 50 employees I can not get coverage for IVF, not even a rider. I have been told that no insurance company will even OFFER fertility treatments in NJ for small group plans. Is this true? Since I am the employer I can switch plans etc. Is there anyway that a NJ small business owner can get fertility coverage?-does any insurance company offer it to small businesses? My business does substantial work in New York, if I move the company to New York- is there a requirement for New York carriers to at least OFFER fertility coverage. Thanks really stressed..