The bill amends Sections 27-18-30 and 27-19-23 of the General Laws to enhance health insurance coverage for infertility treatment. It mandates that any health insurance 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 coverage and prohibits discrimination based on factors such as age, ancestry, disability, domestic partner status, ethnicity, gender identity, genetic information, marital status, national origin, race, religion, sex, or sexual orientation.

It specifies that coverage must include a minimum of four complete oocyte retrievals with unlimited embryo transfers, the medical costs related to an embryo transfer to a third party, and coverage regardless of whether donor gametes or embryos are used or if an embryo will be transferred to a surrogate. Additionally, it prevents insurers from imposing limitations such as deductibles, copayments, coinsurance, benefit maximums, waiting periods, or pre-existing condition exclusions on infertility treatment.

The bill clarifies definitions related to infertility and standard fertility-preservation services, ensuring comprehensive coverage for various medical conditions and treatments. It emphasizes that clinical guidelines for infertility treatment must align with those established by recognized medical organizations, thereby respecting the clinical judgment of healthcare providers. The provisions of this bill are set to take effect on January 1, 2027, aiming to provide equitable access to infertility treatments for all individuals seeking assistance in conceiving.

Statutes affected:
2460: 27-18-30, 27-19-23, 27-20-20, 27-41-33