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, and in vitro fertilization, among others. Additionally, it prohibits insurance policies from imposing preexisting condition exclusions or arbitrary limitations on coverage for these services.

The bill also establishes guidelines for the storage of fertility preservation materials, requiring coverage for a minimum of five consecutive years, with specific provisions for individuals under 18 years of age. It emphasizes that the clinical judgment of physicians should not be interfered with and provides definitions for key terms such as "cost-sharing," "covered individual," and "iatrogenic infertility." The act is set to take effect 60 days after its passage, with specific provisions regarding the applicability of the new requirements based on the filing of insurance rates or forms.

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