MS HB1198

Health insurance policies covering Mississippi residents that provide pregnancy-related benefits must cover medically necessary infertility diagnosis and treatment expenses at the same level as pregnancy coverage, including artificial insemination, in vitro fertilization, egg/sperm procurement, and related procedures.

Coverage applies to policies delivered, issued, or renewed on or after July 1, 2018, with a lifetime benefit cap of $20,000 for assisted reproductive technology procedures.

Infertility coverage must include diagnostic tests (hysterosalpingogram, hysteroscopy, laparoscopy, semen analysis, blood tests, ultrasounds) and FDA-approved fertility drugs with the same deductibles and out-of-pocket limits as maternity benefits.

Coverage is limited to married individuals and includes fertility preservation services when medical treatment may cause iatrogenic infertility; fertilization must use only the covered person's eggs with the spouse's sperm.

Self-insured group plans (including the State Health Insurance Plan), Medicare supplements, and limited-benefit policies are exempt from the requirements.