The bill requires health insurance contracts for groups with more than 50 persons in New Jersey to include coverage for preimplantation genetic testing (PGT) and in vitro fertilization (IVF) for individuals who are not classified as infertile, specifically to prevent serious genetic conditions from being passed on to their offspring. Coverage is mandated when both partners are known carriers of certain genetic disorders or when there is a significant risk of severe health problems in offspring. The bill also clarifies the definition of infertility and ensures that benefits for infertility diagnosis and treatment are equivalent to those for other pregnancy-related procedures, with the same copayments, deductibles, and benefit limits applying.

Additionally, the bill allows religious employers to request exclusions from coverage if it conflicts with their beliefs and specifies that infertility resulting from voluntary sterilization procedures is excluded from coverage. It establishes that services must be performed at accredited facilities and outlines conditions under which coverage for IVF and related procedures may be limited, such as age restrictions and previous treatment attempts. The provisions of this bill 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