MA H4551

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

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

Prohibits insurers from imposing different deductibles, copays, or benefit limits on infertility coverage compared to other medical services, and bars limitations based solely on number of attempts, dollar amounts, or age

Requires coverage limitations to be based on clinical guidelines from organizations like the American Society for Reproductive Medicine, with outdated or unsupported guidelines constituting unfair and deceptive practices under Chapter 93A

Mandates non-discriminatory coverage regardless of age, gender identity, sexual orientation, marital status, or other protected characteristics, and applies to insurance policies under Chapters 175, 176A, and 176B