MA H1191

Expands the definition of "infertility" to include physician findings based on medical history, need for donor gametes/embryos/gestational carriers, failure to achieve live birth after 12 months of unprotected intercourse (6 months for those 35+), and impaired reproductive ability from medical conditions or genetic disorders

Mandates insurance coverage for minimum of 6 oocyte retrievals and unlimited fresh/frozen embryo transfers, plus artificial insemination, surgical sperm extraction, third-party reproduction (donor eggs/sperm/embryos, gestational carriers), and preimplantation genetic testing

Prohibits insurers from imposing different deductibles, copays, or benefit limits on infertility treatment compared to other medical services, or denying coverage based on arbitrary factors like number of attempts, dollar amounts, or age

Requires coverage to be provided without discrimination based on age, gender identity, sexual orientation, marital status, or other protected characteristics under Massachusetts anti-discrimination law

Amends three sections of Massachusetts insurance law (Chapters 175, 176A, and 176B) to apply these requirements across different types of health insurance carriers