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. Insurers are prohibited from imposing discriminatory practices based on various factors such as age, gender, or marital status, and they cannot impose different deductibles or limitations on infertility treatment compared to other medical services.

Additionally, the bill outlines that insurers cannot exclude coverage based on preexisting conditions or impose arbitrary limitations on the number of treatment attempts or costs. It defines key terms related to infertility, including "fertility diagnostic care," "fertility treatment," and "infertility," ensuring clarity in the coverage requirements. The bill aims to provide comprehensive support for individuals facing infertility challenges, ensuring equitable access to necessary medical services.

Statutes affected:
House Introduced Bill: 500.100, 500.8302