This bill amends the Insurance Company Law of 1921 to mandate that individual or group health insurance policies and government programs in Pennsylvania include coverage for fertility preservation services. The new section, designated as Section 635.11, specifies that such coverage must be provided without cost-sharing requirements for individuals at risk of iatrogenic infertility who are 45 years of age or younger. The bill outlines a comprehensive list of fertility preservation services that must be covered, including cryopreservation of eggs, sperm, and embryos, intrauterine insemination, in vitro fertilization, and other related medical services.

Additionally, the bill prohibits health insurance policies from imposing preexisting condition exclusions or arbitrary limitations on fertility preservation benefits. It also establishes that storage of reproductive materials must be covered for five consecutive years, with specific provisions for individuals under 18 years of age. The bill aims to ensure equitable access to fertility preservation services and protect individuals undergoing medical treatments that may impair fertility. The act will take effect 60 days after its passage, with specific provisions regarding the applicability of the new requirements based on the filing of rates or forms with the federal government or the Insurance Department.

Statutes/Laws affected:
Printer's No. 971 (Mar 17, 2025): P.L.682, No.284
Printer's No. 0971: P.L.682, No.284