Senate Bill No. [insert number], known as the "Building Families Act," mandates that health insurance policies in Montana provide coverage for the diagnosis and treatment of infertility, including in vitro fertilization. The bill establishes a lifetime coverage limit of at least $25,000 for fertility services and prohibits insurance policies from imposing 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 their families.

In addition to the infertility coverage provisions, the bill amends existing sections of the Montana Code Annotated (MCA) to ensure that infertility services are recognized under state insurance regulations. It includes new legal language while deleting certain references to clarify the coverage requirements. The bill also introduces provisions regarding self-funded multiple employer welfare arrangements, specifying that certain Title 33 provisions do not apply to these arrangements unless otherwise stated. The new 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
SB0527_1(1): 2-18-704, 33-35-306
SB0527_1(2): 2-18-704, 33-35-306
SB0527_1(3): 2-18-704, 33-35-306
SB0527_1: 2-18-704, 33-35-306