New Hampshire

Yes

Effective 1/1/2020.

Health carriers must provide coverage for medically necessary fertility treatment, including evaluations, laboratory assessments, medications, and treatments associated with the procurement of donor eggs, sperm, and embryos. N.H. Rev. Stat. § 417-G:2(II).

Health carriers must also provide coverage for the diagnosis of the cause of infertility. Id. § 417-G:2(I).

“Infertility” means a disease where an individual's ability to become pregnant or to carry a pregnancy to live birth is impaired, or where an individual's ability to cause pregnancy and live birth in the individual's partner is impaired. Id. § 417-G:1(V).

“Medically necessary” means health care services or products provided for the purpose of preventing, stabilizing, diagnosing, or treating an illness, injury, disease, or the accompanying symptoms. Id. § 417-G:1(VI).

Applies to health carriers that issue or renew any group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses. N.H. Rev. Stat. §§ 417-G:2(I), 417-G:2(II).

“Health carrier” means an entity subject to the insurance laws and rules of the state, or subject to the jurisdiction of the

commissioner, that contracts or offers to contract to provide, deliver, arrange for, pay for, or reimburse any of the costs of health care services. This includes insurance companies, HMOs, health service corporations, or other entities providing a plan of health insurance, health benefits, or health services. Id. § 417-G:1(IV).

Health carriers may not impose any:

• deductibles, copayments, coinsurance, benefit maximums, waiting periods, or any other coverage limitations that are different from those imposed upon benefits for services or medications not related to infertility; or
• pre-existing condition exclusions or pre-existing condition waiting periods or use a prior diagnosis or treatment for infertility as a basis for excluding, limiting or otherwise restricting the availability of coverage; or
• limitations on coverage based solely on arbitrary factors including, but not limited to, number of attempts, dollar amounts, or age.

Yes

Effective 1/1/2020.

Health carriers must provide coverage for standard fertility preservation services when a person is expected to undergo surgery, radiation, chemotherapy, or other medical treatment that is recognized by medical professionals to cause a risk of impaired fertility. N.H. Rev. Stat. § 417-G:2(III).

“Standard fertility preservation services” means procedures consistent with established medical practices and professional guidelines, including the procurement and cryopreservation of embryos, eggs, sperm, and reproductive material determined not to be an experimental infertility procedure. Storage must be covered from the time of cryopreservation for the duration of the policy term. Storage offered for a longer period of time, as approved by the health carrier, must be an optional benefit. Id. §§ 417-G:1(VII), 417-G:2(III).