DE SB132

Requires all individual and group health insurance policies in Delaware to cover fertility care services, including in vitro fertilization (IVF), for persons with medical conditions preventing procreation or pregnancy viability.

Mandates coverage of 15 specific fertility services including artificial insemination, egg/embryo cryopreservation, IVF with donor gametes or gestational carriers, medications, and surgery, with coverage up to six completed egg retrievals per lifetime with unlimited single embryo transfers.

Limits coverage to individuals diagnosed by board-certified physicians with specified infertility conditions, requires no more than 3 cycles of less costly treatments before IVF coverage, and restricts IVF retrievals to before age 45 and transfers before age 50.

Prohibits insurers from imposing different exclusions, deductibles, copayments, or benefit limits on fertility care services compared to other medical services; allows religious employers to request exclusions if coverage conflicts with bona fide religious beliefs.

Exempts employers with fewer than 50 employees and those who self-insure; excludes coverage for experimental services, surrogacy, and voluntary sterilization reversal.