House Bill No. [insert number], known as the "Building Families Act," mandates that all health insurance policies in Montana, including small group, large group, and individual plans, provide coverage for the diagnosis and treatment of infertility, including in vitro fertilization. The bill establishes a lifetime coverage limit of at least $40,000 for fertility services and prohibits any different exclusions, limitations, or restrictions on fertility medications and services compared to other prescription medications. This legislation aims to enhance access to infertility treatments, thereby alleviating financial barriers for families seeking to grow.

Additionally, the bill amends existing laws in the Montana Code Annotated (MCA) to incorporate infertility diagnosis and treatment into the insurance coverage requirements, ensuring alignment with other mandated health services. It also introduces provisions regarding self-funded multiple employer welfare arrangements, clarifying that certain Title 33 provisions do not apply to these arrangements with an unrevoked certificate of authority. The bill specifies that these regulations will take effect for all relevant policies, contracts, and health benefit plans issued or renewed in the state on or after October 1, 2025.

Statutes affected:
LC Text: 2-18-704, 33-35-306
HB0565_1(1): 2-18-704, 33-35-306
HB0565_1(2): 2-18-704, 33-35-306
HB0565_1(3): 2-18-704, 33-35-306
HB0565_1: 2-18-704, 33-35-306