The bill amends sections of the General Laws related to "Accident and Sickness Insurance Policies" to enhance coverage for fertility-related healthcare services. It requires health insurance contracts to cover fertility diagnostic care, fertility treatment, standard fertility preservation services, and in vitro laboratory services, including preimplantation genetic diagnosis (PGD), without age or previous treatment limitations. The bill prohibits different copayments or restrictions for fertility services compared to maternity benefits and defines "infertility" more inclusively, removing the age restriction of 25 to 42 years. It also outlines permissible coverage limitations, such as a limit on oocyte retrievals and intrauterine insemination cycles, and specifies the storage duration for cryopreserved reproductive material. The bill maintains a lifetime coverage cap of $100,000 and introduces PGD as a technique used with IVF to test embryos for genetic disorders.

The bill also addresses the handling and protection of genetic information, prohibiting the release of such information without written authorization, except for research governed by "The Common Rule." It mandates coverage for infertility diagnosis and treatment, including PGD, for women aged 25 to 42, and extends this coverage to nonprofit hospital service contracts. The bill defines various terms related to fertility and genetic testing, and sets forth that health insurance policies may not use genetic test results to discriminate against individuals. The new legal language inserted specifies the age range for infertility coverage, the inclusion of PGD, and the definitions of related terms. The act is set to take effect on January 1, 2025.