House Bill No. [insert bill number], known as the "Building Families Act," mandates that 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 medical services. This legislation aims to enhance access to infertility treatments, thereby alleviating financial barriers for families seeking to grow.

In addition to the coverage requirements, the bill amends existing sections of the Montana Code Annotated (MCA) to ensure that infertility diagnosis and treatment are included in health plans. It modifies Section 2-18-704 to require insurance contracts to cover infertility treatment and updates Section 33-35-306 to reflect these changes. The bill also introduces new provisions regarding self-funded multiple employer welfare arrangements, exempting them from certain Title 33 provisions, and specifies that the new regulations will apply to all relevant policies issued or renewed on or after October 1, 2025. This timeline provides clarity for stakeholders regarding the implementation of the new coverage requirements.

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