Insurance; medically necessary expenses for standard fertility preservation services when a medically necessary treatment for cancer, sickle cell disease, or lupus may directly or indirectly cause an impairment of fertility; require coverage

Georgia patients get fertility coverage with limits

Georgia individual and group major-medical policies issued or renewed after January 1, 2026, must cover standard fertility preservation services. Coverage applies when medically necessary treatment for cancer, sickle cell disease, or lupus may directly or indirectly harm fertility. Services include freezing eggs, sperm, embryos, or ovarian tissue, plus evaluations, lab tests, medicines, and related treatments. Plans must cover egg and sperm storage for up to one year, but may exclude longer storage. Plans may set age restrictions, lifetime limits per procedure for each eligible person, and limits to nonexperimental care. Usual deductibles, copays, and coinsurance apply; plans cannot add special charges or limits beyond those allowed by this law. State-issued plans and self-funded employer plans covered by the federal benefits law ERISA are excluded. Georgia's insurance commissioner must issue rules using current professional medical guidelines.