New Hampshire

The law requires all insurance companies subject to state law, which sell group policies, plans, or contracts providing benefits for medical or hospital expenses, to provide coverage for the diagnosis and medically necessary treatment of the disease of infertility. Coverage is required as well for standard fertility preservation services for patients undergoing treatments that may impair their ability to reproduce.

Treatment for infertility includes, but is not limited to: evaluations, laboratory assessments, medications, and treatments associated with obtaining donor eggs or embryos.

Standard fertility preservation services include non-experimental procedures to obtain and cryopreserve embryos, eggs, sperm, and reproductive material.  Cryostorage must be covered from the time of cryopreservation through the duration of the policy term.

Coverage is not required for experimental fertility procedures, non-medical costs related to third-party reproduction, and reversal of voluntary sterilization.

Any limitations on coverage shall be based on clinical guidelines and the enrollee’s medical history. Limitations may not be based on arbitrary factors including, but not limited to, number of attempts, dollar amount, or age. Members of a class protected under NH RSA 354-A shall not be subjected to different requirements or provided different benefits than other patients.

Extended Transition to Affordable Care Act-Compliant Policies and the Small Business Health Options Program (SHOP) are excluded from the mandate.

(New Hampshire Revised Statutes Annotated (RSA), Title XXXVII, Chapter 417-G Access to Fertility Care.)
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