Pennsylvania HB 922: An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for fertility preservation coverage.

Bill Text

PRINTER'S NO. 971
THE GENERAL ASSEMBLY OF PENNSYLVANIA
HOUSE BILL
No. 922
Session of
2025
INTRODUCED BY MAYES, O'MARA, MALAGARI, GIRAL, WAXMAN, MADDEN,
ABNEY, CERRATO, FREEMAN, HANBIDGE, KENYATTA, SCHLOSSBERG,
HOHENSTEIN, OTTEN, SANCHEZ, INGLIS AND RABB, MARCH 17, 2025
REFERRED TO COMMITTEE ON INSURANCE, MARCH 17, 2025
AN ACT
Amending the act of May 17, 1921 (P.L.682, No.284), entitled "An
act relating to insurance; amending, revising, and
consolidating the law providing for the incorporation of
insurance companies, and the regulation, supervision, and
protection of home and foreign insurance companies, Lloyds
associations, reciprocal and inter-insurance exchanges, and
fire insurance rating bureaus, and the regulation and
supervision of insurance carried by such companies,
associations, and exchanges, including insurance carried by
the State Workmen's Insurance Fund; providing penalties; and
repealing existing laws," in casualty insurance, providing
for fertility preservation coverage.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. The act of May 17, 1921 (P.L.682, No.284), known
as The Insurance Company Law of 1921, is amended by adding a
section to read:
Section 635.11 . Fertility Preservation Coverage.--(a) An
individual or group health insurance policy offered, issued or
renewed in this Commonwealth or a government program shall
include coverage for fertility preservation services as
specified in subsection (b) and shall waive cost-sharing
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requirements related to fertility preservation care.
(b) Fertility preservation specified under subsection (c)
shall apply to covered individuals not older than forty-five
(45) years of age who are at risk of iatrogenic infertility.
(c) Fertility preservation care services under this section
shall include services related to fertility preservation as a
result of iatrogenic infertility, including for the
consultation, diagnosis and treatment of iatrogenic infertility,
as well as the following:
(1) Cryopreservation and thawing of eggs, sperm and embryos.
(2) Cryopreservation of ovarian tissue.
(3) Cryopreservation of testicular tissue.
(4) Intrauterine insemination.
(5) Embryo biopsy.
(6) Diagnostic testing.
(7) Fresh and frozen embryo transfers.
(8) Egg retrievals with unlimited embryo transfers in
accordance with the guidelines determined by the Department of
Health. The guidelines should be informed by standards of
practice as developed by the American Society for Reproductive
Medicine, including the use of single embryo transfers when
recommended and medically appropriate.
(9) Assisted hatching.
(10) Intracytoplasmic sperm injection.
(11) Ovulation induction.
(12) Storage of oocytes, sperm, embryos and tissue.
(13) Medical and laboratory services that reduce excess
embryo creation through egg cryopreservation and thawing.
(14) Therapeutic devices.
(15) Standard fertility preservation services for an
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individual who has a medical condition and is expected to
undergo medication therapy, surgery, radiation, chemotherapy or
other medical treatment that is recognized by a medical
professional to cause a risk of impairment to fertility.
(16) Any nonexperimental procedure for infertility
determined by the Department of Health.
(17) Any other services, procedures, medications or devices
related to the consultation, diagnosis and treatment for
fertility preservation.
(18) In vitro fertilization, including in vitro
fertilization through the use of donor eggs, sperm or embryos
and in vitro fertilization that involves the transfer of embryos
to a gestational carrier or surrogate.
(d) A health insurance policy or government program covered
under this section may not:
(1) contain preexisting condition exclusions or preexisting
waiting periods to access fertility preservation care coverage
required under this section;
(2) contain limitations on coverage for fertility
preservation benefits based solely on arbitrary factors,
including the number of fertility preservation attempts or cost
of fertility preservation care.
(e) Storage requirements under subsection (c)(12) shall be
covered by a health insurance policy or a government program for
five consecutive years unless:
(1) If the covered individual receiving service coverage
under subsection (b) is not yet eighteen (18) years of age, in
addition to requirements under this subsection, a health
insurance policy or government program shall also cover storage
requirements as necessary until the covered individual attains
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eighteen (18) years of age.
(2) If a covered individual receiving services under
subsection (c)(12) under one health insurance policy or
government program changes coverage to another health insurance
policy