The bill amends various sections of the General Laws related to health insurance coverage for infertility treatments. It removes the age restriction of 25 to 42 years for women to receive coverage for infertility diagnosis and treatment. The bill mandates coverage for medically necessary expenses of infertility diagnosis and treatment, including preimplantation genetic testing (PGT) in conjunction with in vitro fertilization (IVF), and fertility-preservation services when treatment may cause iatrogenic infertility. It defines infertility as the inability to conceive or sustain a pregnancy over a year for an otherwise healthy individual and introduces a lifetime coverage cap of $100,000. The bill also prohibits the release of genetic information without written authorization and prevents discrimination based on genetic testing in insurance coverage and rates.

Furthermore, the bill ensures that health insurance contracts that include pregnancy-related benefits must cover infertility treatments and clarifies that coverage should not exclude individuals or couples, including same-sex couples, who qualify for infertility test or treatment reimbursement. It also amends sections related to Nonprofit Hospital Service Corporations and Nonprofit Medical Service Corporations to include similar provisions for infertility treatment coverage, with a copayment for such treatments not to exceed 20%. The bill prohibits health maintenance organizations from using genetic tests to influence insurance policy contracts and from releasing genetic test results without prior written authorization. The new legal language requires all health insurance contracts in the state to cover infertility diagnosis and treatment, including PGT with IVF, and sets the act to take effect on January 1, 2025.