CT HB05968

Requires individual and group health insurance policies to cover embryo, oocyte, and sperm cryopreservation procedures for insureds at least 18 years old diagnosed with cancer who have not yet started treatment, in accordance with American Society of Clinical Oncology guidelines.

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

Insurers may limit coverage to individuals until their 40th birthday and restrict female insureds to one lifetime procedure for embryo or oocyte cryopreservation and male insureds to one lifetime sperm cryopreservation procedure.

Allows insurers to exclude coverage for individuals or religious employers whose bona fide religious or moral beliefs conflict with cryopreservation methods, provided written notice of exclusion appears in the policy, application, and sales brochure in at least 10-point type.

Effective January 1, 2018.