The bill mandates that health insurance contracts for groups with more than 50 persons must include coverage for preimplantation genetic testing (PGT) and in vitro fertilization (IVF) under specific conditions. It requires coverage for medically necessary expenses related to infertility diagnosis and treatment, as well as for PGT aimed at preventing serious genetic conditions from being passed on to offspring. Coverage for IVF may be limited to individuals who have exhausted other treatment options, have not exceeded four completed egg retrievals, and are 45 years of age or younger. The bill also clarifies definitions related to infertility and PGT, ensuring that benefits are provided at the same level as other pregnancy-related procedures, while allowing religious employers to request exclusions from coverage that conflict with their beliefs.

Additionally, the bill amends existing laws to ensure that group health insurance policies provide coverage for medically necessary expenses related to infertility diagnosis and treatment, including IVF, embryo transfer, and artificial insemination. It specifies that the same copayments, deductibles, and benefit limits apply to infertility treatments as they do to other medical benefits, while excluding infertility resulting from voluntary sterilization procedures. The bill also outlines conditions for coverage limitations, such as age restrictions and previous treatment attempts, and clarifies that benefits for infertility treatments must be provided at accredited facilities. The legislation aims to enhance access to reproductive health services while respecting the beliefs of religious organizations.

Statutes affected:
Introduced: 17:48-6, 17:48A-7, 17:48E-35.22, 17B:27-46.1, 26:2J-4.23, 52:14-17.29, 52:14-17.46.6