WV SB669

Requires health carriers issuing group health insurance policies to cover diagnosis of infertility, medically necessary fertility treatments, and fertility preservation services effective January 1, 2026

Mandates coverage for fertility preservation (cryopreservation of embryos, eggs, sperm) when patients undergo surgery, radiation, chemotherapy, or other treatments that may impair fertility

Prohibits insurers from imposing different deductibles, copayments, waiting periods, or benefit limits on infertility coverage compared to other medical services, and bars age-based or attempt-based coverage restrictions

Excludes coverage for experimental infertility procedures, nonmedical costs related to third-party reproduction, reversal of voluntary sterilization, and medical costs for surrogates or gestational carriers

Directs the Insurance Commissioner to propose implementing rules, with health carriers required to follow American Society for Reproductive Medicine standards until rules are adopted