MA S689

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

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

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

Mandates non-discrimination in infertility coverage based on age, gender identity, sexual orientation, marital status, disability, or other protected characteristics

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