IA SF130

Requires health insurance policies, contracts, and plans providing third-party payment of medical expenses to cover diagnosis and treatment for infertility, as well as standard fertility preservation services

Mandates coverage of up to three completed oocyte retrievals with unlimited embryo transfers following American Society for Reproductive Medicine (ASRM) guidelines, using single embryo transfer when medically appropriate

Prohibits deductibles, copayments, coinsurance, benefit maximums, and waiting periods for infertility coverage that are less favorable than those for other services covered under the same plan

Allows religious employers to request an exclusion from the required coverage if it conflicts with their bona fide religious beliefs, provided they give employees timely notice of the exclusion

Applies to individual and group accident/sickness insurance, hospital/medical service contracts, HMO contracts, and public employee plans delivered, issued, continued, or renewed on or after July 1, 2025