SB 1149 Summary

• Requires health insurance plans that include maternity benefits to cover medically necessary infertility diagnosis and treatment, including intrauterine insemination, in vitro fertilization, egg/sperm procurement, cryopreservation, and reproductive system surgical procedures.

• Limits in vitro fertilization coverage to three complete cycles (fresh or frozen transfers) after reasonable attempts with other fertility treatments, unless in vitro fertilization is the only medically indicated treatment; unlimited frozen transfers available if embryos from prior retrieval exist.

• Requires coverage of fertility preservation services when necessary medical treatment may cause iatrogenic infertility and prescription drugs for infertility diagnosis and treatment without different restrictions than other drugs.

• Defines infertility as inability to conceive within 12 months (for individuals age 35 or younger) or 6 months (for those older than 35); "reasonable attempts" means no more than three treatment cycles of ovulation induction or intrauterine insemination.

• Applies requirements to subscription contracts (health care corporations), health care services organizations, disability insurance policies, and group/blanket disability insurance policies; excludes experimental treatments, surrogacy, and voluntary sterilization reversals.