CT HB05230

Requires individual and group health insurance policies to cover embryo, oocyte, and sperm cryopreservation procedures for insured individuals age 18 and older diagnosed with cancer who have not yet started cancer treatment, following American Society of Clinical Oncology guidelines.

Coverage includes evaluations, laboratory assessments, medications, and treatments associated with cryopreservation procedures, but excludes costs for initial or annual storage of embryos, oocytes, or sperm.

Policies may limit coverage to individuals until age 40 and restrict female insureds to one lifetime procedure (either embryo or oocyte cryopreservation) and male insureds to one lifetime sperm cryopreservation procedure.

Allows insurance companies and religious employers to exclude coverage for cryopreservation procedures that conflict with bona fide religious or moral beliefs, with required written notice of exclusion in 10-point type on policies and materials.

Effective January 1, 2017.