The bill mandates that health insurance coverage in New Jersey must include preimplantation genetic testing (PGT) and in vitro fertilization (IVF) for individuals who are not classified as infertile, specifically to prevent the transmission of serious genetic conditions to offspring. It requires that health insurance contracts from hospital service corporations, medical service corporations, and health service corporations covering groups of more than 50 persons and including pregnancy-related benefits must provide coverage for medically necessary infertility diagnosis and treatment expenses. The bill outlines specific conditions under which this coverage is applicable, such as when both partners are carriers of certain genetic disorders or when there is a significant risk of severe health issues for the offspring.

Additionally, the bill defines "infertility" and establishes criteria for coverage eligibility, ensuring that benefits for infertility treatments are equivalent to those for other pregnancy-related procedures. It allows religious employers to request exclusions from coverage that conflict with their beliefs and mandates that these exclusions be communicated in writing to prospective subscribers. The bill also specifies that coverage does not apply to contracts for individuals eligible for medical assistance programs and excludes infertility resulting from voluntary sterilization procedures. The provisions will take effect 90 days after enactment and will apply to policies or contracts issued or renewed thereafter.

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