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Bill

HB 94

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

2025-2026 Regular Session Introduced by Sharon Cooper and 5 co-sponsors

Georgia requires health insurers to cover fertility preservation for patients facing cancer, sickle cell, or lupus treatments that may cause infertility.

Effective Date
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WeVote Research Nonpartisan
Bill Summary · HB 94

Legislative bill overview

HB 94 requires health insurance plans in Georgia to cover fertility preservation services (such as egg freezing, sperm banking, or embryo preservation) for patients who are about to undergo medical treatments for cancer, sickle cell disease, or lupus that could impair their ability to have biological children. The bill became law on May 1, 2025, and is effective immediately.

Why is this important

Cancer, sickle cell disease, and lupus treatments—including chemotherapy, radiation, and immunosuppressive therapies—can render patients infertile or reduce fertility significantly. Without insurance coverage, fertility preservation can cost $10,000-$20,000+ out of pocket, creating a financial barrier for patients already facing serious health challenges. This mandate ensures financial access to reproductive options before potentially fertility-altering treatments.

Potential points of contention

  • Insurance cost increases: Mandated fertility coverage may increase premiums for all plan members, even those who don't benefit from the services
  • Definition scope: "Medically necessary" and which conditions qualify could be interpreted differently, potentially leading to coverage disputes and litigation
  • Age limitations: The bill doesn't specify age cutoffs; coverage for minors or patients over 50 could raise ethical and medical questions about viability and costs
  • Religious/moral objections: Some religious-based insurers or employers may object to covering certain fertility preservation methods
  • Implementation details: Questions remain about approval processes, whether genetic testing is covered, and how out-of-state patients are handled

Compiled from official sources — confirm details with the bill’s official record.

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