HI SB768

Requires health insurance policies providing pregnancy-related benefits to include coverage for in vitro fertilization (IVF) procedures as a one-time benefit for outpatient expenses.

Reduces the required infertility history from five years to twelve months, or allows coverage if infertility is associated with specific medical conditions including endometriosis, DES exposure, fallopian tube blockage/removal, or abnormal male factors.

Removes the requirement that fertilization must use the patient's spouse's sperm, expanding coverage to include other fertility options.

Redefines "infertility" as failure to achieve pregnancy after twelve months of appropriate unprotected intercourse or therapeutic donor insemination, excluding voluntary sterilization and natural menopause.

Applies to all individual and group health insurance policies and hospital/medical service plans delivered after June 26, 1987, with procedures required to meet American College of Obstetricians and Gynecologists or American Society for Reproductive Medicine standards.