MI SB1182

Effective January 1, 2026, health insurers in Michigan must provide coverage for infertility treatment including fertility diagnostic care, fertility treatment, fertility preservation services, at least 4 complete oocyte retrievals with unlimited embryo transfers, and embryo transfer medical costs.

Infertility coverage must be provided without discrimination based on age, ancestry, disability, domestic partner status, gender identity, genetic information, marital status, national origin, race, religion, sex, or sexual orientation.

Insurers cannot impose deductibles, copayments, coinsurance, benefit maximums, waiting periods, preexisting condition exclusions, or limitations based on arbitrary factors like number of attempts, dollar amounts, or age that differ from coverage for non-infertility services.

Insurers cannot impose different exclusions or limitations on fertility medications compared to other prescription medications, and coverage must continue even if an insured foregoes a particular treatment or uses previously retrieved oocytes or embryos.

Clinical guidelines used for infertility policies must be based on guidelines from the American Society for Reproductive Medicine or a comparable organization, and health care provider clinical judgment cannot be restricted.