HB 635

Enacts GS 58-3-241, defining experimental fertility procedure, fertility diagnostic care, fertility preservation services, fertility treatment, and large group market. Requires a health benefit plan offered in the large group market to provide coverage for fertility diagnostic care, fertility treatment, and fertility preservation services. Exempts health benefit plans offered by religious institutions and self-insured group health benefits from this requirement. Establishes minimum coverage inclusions for fertility treatments. Mandates procedures to be performed at a licensed healthcare facility and follow American Society of Reproductive Medicine guidelines to be eligible for coverage. Clarifies this does not require coverage for experimental fertility procedures or nonmedical costs related to donor gametes, donor embryos, or surrogacy. Effective October 1, 2025, and applies to insurance contracts issued, renewed, or amended on or after that date.