WV HB2824

Mandates health carriers issuing group insurance policies to cover diagnosis of infertility, medically necessary fertility treatments, and fertility preservation services for patients undergoing treatments like chemotherapy that may impair fertility

Requires coverage for evaluations, laboratory assessments, medications, and treatments associated with donor eggs, sperm, and embryos, as well as cryopreservation of reproductive materials

Prohibits insurers from imposing different deductibles, copayments, waiting periods, or benefit limits on infertility services compared to other medical services, and bars coverage denials based solely on age, number of attempts, or dollar amounts

Excludes coverage for experimental infertility procedures, nonmedical costs of third-party reproduction, and reversal of voluntary sterilization

Takes effect January 1, 2026, with the Insurance Commissioner required to propose implementing rules based on American Society for Reproductive Medicine standards