HB 7124 Summary

• Requires individual and group health insurance policies to cover medically necessary infertility treatment expenses including ovulation induction, intrauterine insemination, in-vitro fertilization, and related procedures, effective January 1, 2018.

• Defines infertility as the inability to conceive or sustain pregnancy during a one-year period or when treatment is medically necessary, removing the requirement that individuals be "presumably healthy."

• Allows policies to limit coverage to individuals under age 40 and impose lifetime maximums: four cycles for ovulation induction, three cycles for intrauterine insemination, and two cycles for in-vitro fertilization with maximum two embryo implantations per cycle.

• Permits religious employers and individuals with religious or moral objections to infertility treatment to exclude such coverage, with required written notice in at least ten-point type in policy documents and sales materials.

• Authorizes policies to require treatment at facilities conforming to American Society of Reproductive Medicine standards and to mandate twelve months of prior coverage before benefits begin.