This bill requires health insurance coverage in New Jersey for preimplantation genetic testing (PGT) and in vitro fertilization (IVF) for individuals who are not classified as infertile, under specific conditions aimed at preventing serious genetic conditions from being passed on to 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 due to genetic conditions. The bill also updates the definitions of infertility and PGT to align with current medical standards and ensures that benefits for infertility diagnosis and treatment are provided similarly to other pregnancy-related procedures.

Additionally, the bill stipulates that the same copayments, deductibles, and benefit limits that apply to other medical services will also apply to infertility treatments. It allows religious employers to request exclusions from coverage if it conflicts with their beliefs and clarifies that infertility resulting from voluntary sterilization is not covered. The bill is set to take effect 90 days after enactment and will apply to policies or contracts issued or renewed thereafter, enhancing 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