The bill amends Section 27-18-30 of the General Laws to enhance health insurance coverage for infertility treatments. It mandates that any health insurance policy issued or renewed in the state that includes pregnancy-related benefits must cover medically necessary expenses for the diagnosis and treatment of infertility, as well as standard fertility-preservation services. Notably, the previous age restrictions for women (between 25 and 42 years) have been removed, allowing broader access to infertility treatments. The bill also introduces comprehensive definitions of "infertility" and "standard fertility-preservation services," ensuring coverage is provided without discrimination based on age, gender identity, or marital status.

Additionally, the bill prohibits insurers from imposing limitations such as deductibles or pre-existing condition exclusions on infertility treatment coverage. It specifies that coverage must include at least four complete oocyte retrievals and unlimited embryo transfers, regardless of whether donor gametes or embryos are used. The amendments aim to align clinical guidelines for infertility treatment with those established by reputable medical organizations, ensuring equitable access to necessary medical services. The bill is set to take effect on January 1, 2026, marking a significant shift towards more inclusive and comprehensive infertility care in health insurance policies.

Statutes affected:
5629: 27-18-30, 27-19-23, 27-20-20, 27-41-33