This bill amends the General Laws to require health insurance contracts that offer pregnancy-related benefits to also cover medically necessary expenses for diagnosing and treating infertility in women aged 25 to 42. This includes coverage for preimplantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF), and fertility-preservation services when necessary medical treatment may lead to infertility. The bill defines infertility and sets a lifetime coverage cap of $100,000 for infertility treatment. It also prohibits the release of genetic information without prior written authorization, except in research settings governed by The Common Rule, and prevents health insurers from using genetic tests or their results to discriminate against individuals in terms of coverage.

The bill specifies that health insurance contracts, excluding those providing supplemental coverage to Medicare or other governmental programs, must cover the expenses of infertility diagnosis and treatment for women between the ages of 25 and 42, including PGD with IVF. It defines "preimplantation genetic diagnosis" and "infertility" within the context of health insurance coverage. Additionally, the bill clarifies the definition of "genetic testing" to include analyses of DNA, RNA, chromosomes, proteins, and certain metabolites for clinical purposes, while excluding routine tests for non-genetic conditions. The act is set to take effect on January 1, 2025.