The bill amends existing laws to enhance health insurance coverage for infertility treatment in the state. It mandates that any health insurance contract, plan, or policy that includes pregnancy-related benefits must cover medically necessary expenses for the diagnosis and treatment of infertility, as well as standard fertility-preservation services. The bill removes previous age restrictions for women, allowing broader access to these services. It introduces definitions for infertility and standard fertility-preservation services, ensuring non-discriminatory coverage based on age, ancestry, disability, domestic partner status, gender, gender expression, gender identity, genetic information, marital status, national origin, race, religion, sex, or sexual orientation.

Furthermore, the bill prohibits insurers from imposing limitations on infertility treatment coverage, such as deductibles, pre-existing condition exclusions, or arbitrary restrictions on the number of attempts or age. It requires coverage for at least four complete oocyte retrievals with unlimited embryo transfers, regardless of whether donor gametes or embryos are used or if an embryo will be transferred to a surrogate. Insurers are also barred from applying different deductibles or copayments for infertility-related services compared to other medical services. The act is set to take effect on January 1, 2026, with the goal of improving access to fertility treatments and ensuring equitable coverage for individuals seeking assistance with infertility.

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