Relating to health insurance coverage for infertility

This bill relates to health insurance coverage for the diagnosis of and treatment for infertility, and standard fertility preservation services (preservation services). The bill requires a policy, contract, or plan (plan) providing for third-party payment or prepayment of health or medical expenses to provide coverage for the diagnosis of and treatment for infertility, and for preservation services. “Diagnosis of and treatment for infertility”, “infertility”, and “standard fertility preservation services” are defined in the bill. Required coverage includes up to three completed oocyte retrievals with unlimited embryo transfers, using single embryo transfer if recommended and medically appropriate. Coverage of fertility medications shall not be less favorable than coverage for any other prescription medications under the plan. Deductibles, copayments, coinsurance, benefit maximums, waiting periods, or other limitations on coverage for the diagnosis of and treatment for infertility and preservation services shall not be any less favorable than those imposed on benefits for services covered under the plan that are not related to infertility. The bill provides an exception for a religious employer to request an exclusion from the required coverage and requires the religious employer to provide notice to employees of the exclusion. The bill applies to third-party payment provider contracts, policies, or plans delivered, issued for delivery, continued, or renewed in this state on or after July 1, 2026, by the third-party payment providers enumerated in the bill. The bill specifies the types of specialized health-related insurance not subject to the bill. The commissioner of insurance may adopt rules to administer the bill.