MI HB6486

Requires health insurance policies that cover pregnancy to include coverage for outpatient in vitro fertilization (IVF) procedures if the patient and spouse have a documented history of infertility for at least 5 continuous years or if infertility is associated with endometriosis, diethylstilbestrol exposure, blocked or removed fallopian tubes, or oligospermia.

Limits IVF coverage to procedures using only the insured patient's oocytes fertilized with the spouse's sperm.

Requires that the patient have unsuccessfully attempted less costly infertility treatments available under the health insurance policy before IVF coverage applies.

Mandates that IVF procedures be performed at health facilities meeting minimum standards for in vitro fertilization programs established by the American Society for Reproductive Medicine.

Prohibits health insurers from applying dollar limits, copayments, deductibles, or coinsurance to IVF coverage that are more restrictive than those applied to pregnancy coverage generally; applies to policies effective after December 31, 2022.