HI SB502

Requires insurance plans providing pregnancy-related benefits to cover in vitro fertilization (IVF) procedures for same-sex couples, unmarried women, and male-female couples with male infertility, eliminating current gender-based and marital status restrictions.

Mandates gender-neutral benefits so coverage available to opposite-sex married couples extends equally to same-sex couples and women regardless of marital status.

Reduces infertility duration requirement from five years to twelve months and expands eligibility to include cases where same-sex couples are involved or abnormal male factors contribute to infertility.

Extends coverage to expenses for oocyte donors and surrogates used in IVF procedures, directly addressing fertility needs of same-sex male couples.

Clarifies that covered benefits apply only to in vitro fertilization services and excludes other pregnancy-related or post-IVF outpatient services; does not apply to Medicaid programs.