Georgia Fertility Insurance Coverage
Partial coverage requiredOverview of state insurance mandates and fertility coverage requirements for Georgia. Applies to fully-insured health plans regulated by the state.
Coverage Summary
| Benefit | Required by State |
|---|---|
| Mandate to offer fertility coverage | No |
| Diagnosis coverage | Yes |
| Treatment coverage | No |
| IVF included | No |
| Fertility preservation included | Yes |
Coverage Details
Georgia does not have a broad IVF mandate-to-cover, but it enacted a narrower fertility-preservation requirement. HB 94 added O.C.G.A. ? 33-24-46, effective for health benefit policies renewed or issued after January 1, 2026, requiring coverage of standard fertility preservation services when medically necessary treatment for cancer, sickle cell disease, or lupus may cause iatrogenic infertility. The law is not a general infertility-treatment or IVF coverage mandate, Medicaid infertility procedures remain limited, and self-funded ERISA employer plans are generally excluded from state insurance mandates.
Self-Funded Employer Plans (ERISA)
Source & Dates
- Source:
- KFF State Health Facts
- Data as of:
- 2025-11-30
- Next review:
- 2026-08-09
- Effective date:
- 2026-01-01
Disclaimer
This is not legal or insurance advice. Verify coverage directly with your insurer and HR benefits team. Self-funded employer plans (ERISA) are generally exempt from state mandates. Information reflects the reviewed source as of the date noted above and may not reflect recent legislative or regulatory changes.
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