The bill amends Sections 27-18-30 and 27-18-52 of the General Laws to require health insurance contracts, excluding those providing supplemental coverage to Medicare or other governmental programs, to cover medically necessary expenses for the diagnosis and treatment of infertility for women aged 25 to 42. This includes coverage for preimplantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF) and standard fertility-preservation services. A lifetime cap of $100,000 on infertility treatment coverage is established, and key terms such as "infertility," "standard fertility-preservation services," and "iatrogenic infertility" are defined. Additionally, the bill enhances protections around genetic testing, prohibiting discrimination based on genetic test results and requiring written authorization for the release of genetic information.

Furthermore, the bill amends Sections 27-19-23 and 27-19-44 to mandate similar coverage for nonprofit hospital service corporations, ensuring that any contract with pregnancy-related benefits includes coverage for infertility treatments. It also stipulates that a copayment of up to 20% may be required for these treatments. The legislation emphasizes the protection of individuals' genetic information by prohibiting the use of genetic tests for determining health benefits coverage and clarifying the conditions under which genetic tests can be used. Overall, the bill aims to improve access to infertility treatments while safeguarding genetic privacy, with an effective date set for January 1, 2026.