New Jersey Senate Bill S3521

New Jersey 2022-2023 Regular Session

• Introduced: 1/30/23
• Refer: 1/30/23

Caption

Requires health insurance coverage of standard fertility preservation services for individuals with certain menstrual disorders resulting in infertility.

Impact

The enactment of S3521 is expected to alter existing health insurance practices significantly. By requiring coverage for fertility preservation services, the bill aims to ensure that women with medically necessary treatments that may induce infertility will have access to cryopreservation of embryos and oocytes. This not only protects their reproductive options but also aligns insurance policies with emerging medical standards and societal needs regarding reproductive health. It implies a broader interpretation of women's health and reproductive rights within state laws.

Summary

Senate Bill 3521 mandates that health insurance providers cover standard fertility preservation services for individuals diagnosed with specific menstrual disorders that could lead to infertility. The bill is a response to the fact that many menstrual disorders, such as endometriosis and uterine fibroids, impact a significant number of women and can result in infertility due to medical treatments required for these conditions. Coverage includes necessary medical procedures to protect the individual's capacity for future reproduction, promoting equitable access to fertility preservation.

Contention

One of the key points of contention surrounding S3521 relates to the extent of health insurance coverage for these services. Although the bill seeks to expand necessary health benefits, there could be debates about the financial implications for insurance providers. Detractors may raise concerns over the potential for increased insurance premiums or coverage restrictions based on medical evaluations. Ensuring that coverage is not denied based on personal characteristics, such as age or health status, is critical for the bill's supporters but may complicate its implementation across varying health plans.