This bill aims to amend the Code of West Virginia by introducing a new article that mandates medical insurance providers to include infertility services in their policies. It outlines the findings of the Legislature regarding infertility as a significant health issue affecting many couples, and emphasizes the importance of making treatment accessible and affordable. The bill defines key terms related to infertility and fertility treatment, and establishes the responsibilities of health carriers to provide coverage for the diagnosis and treatment of infertility, including fertility preservation services for individuals undergoing medical treatments that may impair fertility.

Additionally, the bill specifies prohibited and permissible limitations on coverage, ensuring that health carriers cannot impose unfair restrictions such as different deductibles or preexisting condition exclusions for infertility-related services. It also requires the Insurance Commissioner to propose rules for implementation and establishes a severability clause to maintain the validity of the remaining provisions if any part of the article is deemed invalid. The effective date for this legislation is set for January 1, 2026.

Statutes affected:
Introduced Version: 33-15F-1, 33-15F-2, 33-15F-3, 33-15F-4, 33-15F-5, 33-15F-6, 33-15F-7