HB 6617: Fertility Health Care Coverage

• Individual and group health insurance policies must cover fertility diagnostic care, fertility treatment for fertility patients, and fertility preservation services effective January 1, 2024.

• Policies cannot impose age-based limitations, use prior diagnoses as exclusions, limit coverage based on donor gametes or surrogacy use, or impose different cost-sharing than maternity benefits.

• Policies may limit oocyte retrievals to four completed cycles with unlimited embryo transfers, intrauterine insemination to six lifetime cycles, and may require in-vitro fertilization only after unsuccessful less expensive treatments.

• Religious employers and individuals with religious or moral objections may request policies excluding coverage for methods contrary to their beliefs, with required written notice in at least 10-point type.

• Policies need not cover experimental fertility procedures or nonmedical costs for gamete procurement, donor embryos, or surrogacy services; Medicaid must amend its state plan to provide fertility treatment coverage as medically necessary.