The bill mandates that health insurance coverage for preimplantation genetic testing (PGT) and in vitro fertilization (IVF) be provided under specific conditions, particularly for groups with more than 50 persons. It amends existing laws to ensure that contracts for hospital service corporations, medical service corporations, and health service corporations include coverage for medically necessary expenses related to infertility diagnosis and treatment. This includes services such as IVF, embryo transfer, and artificial insemination, while also defining infertility and outlining the criteria for coverage limitations. The bill specifies that coverage for IVF may be restricted to individuals who have exhausted other treatment options or meet certain genetic criteria, and it allows religious employers to request exclusions from coverage that conflict with their beliefs.

Furthermore, the bill ensures that the same copayments, deductibles, and benefit limits that apply to other medical benefits will also apply to infertility treatments. It clarifies that coverage must be provided to the same extent as other pregnancy-related procedures and excludes infertility resulting from voluntary sterilization procedures. The legislation is designed to enhance access to reproductive health services while respecting the beliefs of religious organizations and ensuring that insurance providers adhere to specific standards. 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