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 offering pregnancy-related benefits must cover medically necessary expenses for the diagnosis and treatment of infertility, including standard fertility-preservation services. The bill removes previous age restrictions that limited coverage to women aged 25 to 42 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.

The bill clarifies definitions related to infertility, stating that it includes conditions recognized by healthcare providers that impact an individual's ability to establish a pregnancy or carry a pregnancy to live birth. It ensures comprehensive coverage for procedures such as at least four complete oocyte retrievals with unlimited embryo transfers, medical costs related to embryo transfers to third parties, and necessary procedures for screening or diagnosing fertilized eggs before transfer, including preimplantation genetic testing.

Additionally, the bill prohibits insurers from imposing discriminatory practices, such as different deductibles, copayments, or limitations based on arbitrary factors, including the number of attempts or age. It also prohibits pre-existing condition exclusions or waiting periods related to infertility treatment. Insurers must adhere to clinical guidelines established by recognized medical organizations, ensuring that coverage remains equitable and accessible for all individuals seeking infertility treatment. The act is set to take effect on January 1, 2027.

Statutes affected:
7629: 27-18-30, 27-19-23, 27-20-20, 27-41-33