Delaware SB139 - Fertility and Infertility Coverage

• Requires all individual and group health insurance policies in Delaware to cover fertility care services, including in vitro fertilization (IVF), for individuals diagnosed with infertility or at risk of treatment-related infertility.

• Defines infertility as a disease or condition resulting in inability to procreate or carry a pregnancy to live birth, including 16 specific conditions such as endometriosis, polycystic ovarian syndrome, uterine fibroids, and recurrent pregnancy loss.

• Mandates coverage for specific services including intrauterine insemination, egg and embryo cryopreservation, embryo transfers, medications, and up to six completed egg retrievals per lifetime with unlimited embryo transfers following American Society for Reproductive Medicine guidelines.

• Prohibits insurers from imposing different deductibles, copayments, coinsurance, or waiting periods on fertility care services compared to other pregnancy-related or non-infertility benefits.

• Exempts religious employers with bona fide religious objections, self-insured employers, and employers with fewer than 50 employees; excludes coverage for experimental services, surrogacy payments, and voluntary sterilization reversals.