Written by a parent, not a doctor. Nothing here is medical advice.

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New Hampshire program

Preserving fertility before treatment

Covered New Hampshire group health policies pay for standard fertility preservation when treatment risks future fertility.

What it is

Covered New Hampshire group health policies pay for standard fertility preservation when treatment risks future fertility.

Some cancer treatments can affect future fertility. Your child’s team can explain whether preservation is possible and when it would need to happen. The insurance rule covers eligible group policies and storage for the policy term.

Eligibility rules
  • The law covers group health policies issued or renewed in New Hampshire. It states no employer-size floor.
  • Small-business exchange plans and named extended-transition policies are excluded. It is not an individual-market mandate.
  • The treatment must be recognized by medical professionals as risking fertility.
  • The statute names no minimum age. Your oncology team can explain whether planned treatment raises fertility concerns and which options, if any, are medically appropriate for your child.
What you get
  • Coverage for standard fertility preservation, with the plan’s usual out-of-pocket charges.
  • Storage for the duration of the policy term.
What the protection includes
  • Standard, nonexperimental procedures can include collecting and freezing eggs, sperm, embryos or reproductive material.
If you decide to apply
  1. Ask the oncology team about your child’s options and the treatment timetable.
  2. Ask the plan for written coverage details with the team’s referral.

Your oncology team and health plan · Official page ↗

After you ask
  • The team assesses clinical options and timing. The plan confirms which services and storage it covers.
Good to know

Storage beyond the policy term is not covered unless the insurer agrees. Whether the law reaches your policy depends on whether the employer buys the insurance; one question to HR settles it.

Other details
  • The coverage law took effect January 1, 2020. Self-funded or individual policies may need a separate coverage discussion.
Official sources
Ask your social worker

“What fertility options make sense for our child before treatment, and what are the risks and costs? Could you help us explore them with the team?”

Why I’m asking: I want to understand the options before treatment that could affect fertility.

More background and detailed requirements
Additional program information and published rules

Who does what

The three parts, side by side. The agency decides; nobody on this page does.

You

Ask the team about timing and the plan to confirm coverage in writing.

Your social worker

The oncology team says whether preservation is possible and refers in time.

The care team

The oncologist raises fertility and refers before the treatment that risks it.

Who decides
The plan, on the oncology team's referral.
Ask your social worker
“The team has raised fertility. Is our plan a group policy, and can we get the coverage confirmed in writing before treatment starts?”

How to apply

First step: Ask the oncology team whether preservation is possible before treatment starts, and ask the plan to confirm coverage in writing.

  1. Ask the oncology team whether preservation is possible before treatment starts.
  2. Ask the employer whether the plan is a group policy, and the plan to confirm coverage in writing.
  3. Ask what happens to storage when the policy year ends.

Official application / program page ↗

Where it starts: Ask the oncology team to refer for preservation and the plan to confirm coverage in writing.

What to gather

  • The employer's answer on the kind of plan
  • The team's view on timing

How long: The window is before the treatment that risks fertility begins.

What a yes looks like

The plan confirms preservation and storage for the policy term.

What a no looks like, and the next move

The plan is self-funded or individually bought, so ask the team about other help.

Watch out

  • Storage is covered for the policy term; longer storage needs the insurer's agreement.
  • Small-business exchange plans and certain older policies are excluded.
  • It is a group-policy rule, not an individual-market one.

If they say no, quote this: Fertility preservation: RSA 417-G:2, III.

The numbers and the rules

The arcane layer, kept on purpose. Checked September 11, 2026.

What it is worth

Standard fertility preservation covered on a group policy when treatment risks fertility, with storage for the policy term.

Covers: Procurement and freezing of eggs, sperm, embryos and reproductive material where it is not an experimental procedure · Storage from freezing for the duration of the policy term

Legal protection: Coverage is required where a person is expected to have treatment recognised as risking fertility

What it costs the family: The plan's ordinary cost sharing. Storage beyond the policy term is an optional benefit the insurer has to approve.

The eligibility facts, as published

Plans
group policies, plans or contracts of accident or health insurance issued or renewed in New Hampshire; no employer-size floor is stated
Exclusions
small-business exchange plans and Extended Transition to Affordable Care Act-Compliant Policies
Trigger
treatment recognised by medical professionals as causing a risk of impairment of fertility
Age
the statute names no age; this page raises it from age 12, which is where the conversation usually becomes possible
Effective
2020-01-01

The trap: Storage is covered for the length of the policy term. Longer storage is an extra the insurer has to agree to, so ask what happens when the policy year ends.

Where I read this

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