The bill aims to improve access to infertility treatment by amending existing laws related to the definition of infertility and the coverage of related medical expenses. It redefines infertility to include various conditions such as the findings of licensed physicians, the need for medical intervention, the failure to establish a pregnancy after a specified duration of unprotected sexual intercourse, and impairments due to medical or genetic factors. The bill also outlines the specific medical services that must be covered, including a minimum of six oocyte retrievals, embryo transfers, artificial insemination, and third-party reproduction services, among others.

Additionally, the bill prohibits insurance carriers from imposing unfair limitations on coverage for infertility treatments, such as different eligibility conditions, restrictions on fertility medications, or arbitrary limits based on age or number of attempts. It emphasizes that coverage must be provided without discrimination based on various personal characteristics and must adhere to clinical guidelines that are current and well-documented. The bill ensures that existing rights to infertility treatment are not diminished and that medical providers retain the discretion to make clinical judgments regarding patient care.

Statutes affected:
Bill Text: 175-47H, 176B-4J