(5) The policy may require that procedures be performed at medical facilities that conform to the American Society for Reproductive Medicine guidelines as outlined by the Society for Assisted Reproductive Technology or a successor organization;

D.__For procedures using cryopreserved embryos, all costs, except for storage costs, must be covered; and

E.__The policy may not include coverage for procedures defined by the American Society for Reproductive Medicine or a successor organization as experimental or investigational.

4.__Exclusion for religious employer.__A religious employer may request and a health maintenance organization shall grant an exclusion under the policy or contract for the coverage required by this section if the required coverage conflicts with the religious employer's bona fide religious beliefs and practices.__A religious employer that obtains an exclusion under this subsection shall provide prospective enrollees and those individuals covered under its policy written notice of the exclusion. This subsection may not be construed as authorizing a health maintenance organization to exclude coverage for medically necessary procedures or for prescription drugs prescribed for reasons other than infertility purposes.__For the purposes of this subsection, "religious employer" means an employer that is a church, convention or association of churches or an elementary or secondary school that is controlled, operated or principally supported by a church or by a convention or association of churches as defined in 26 United States Code, Section 3121(w) (3) (A) and that qualifies as a tax-exempt organization under 26 United States Code, Section 501(c) (3).

Sec. 4. Application. The requirements of this Act apply to all group policies, contracts and certificates executed, delivered, issued for delivery, continued or renewed in this State on or after January 1, 2004. For purposes of this Act, all contracts are deemed to be renewed no later than the next yearly anniversary of the contract date.