The proposed bill amends the Michigan Insurance Code to mandate that, starting January 1, 2027, insurers providing health insurance policies in the state must cover infertility treatment. This coverage includes fertility diagnostic care, fertility treatment, standard fertility preservation services, and specific provisions for oocyte retrievals and embryo transfers. Additionally, the bill stipulates that coverage must be provided without discrimination based on various factors such as age, gender, or marital status, and prohibits insurers from imposing different deductibles, copayments, or limitations on infertility treatment compared to other medical services.

Furthermore, the bill outlines that insurers cannot impose preexisting condition exclusions or arbitrary limitations on infertility treatment coverage. It defines key terms related to infertility and treatment, including "infertility," "oocyte," and "health care provider," ensuring clarity in the application of the law. The bill aims to enhance access to infertility treatments and protect individuals seeking such services from discriminatory practices by insurance providers.

Statutes affected:
Senate Introduced Bill: 500.100, 500.8302