RI S2460

Removes the age restriction (previously limited to women ages 25-42) for infertility diagnosis and treatment coverage, replacing it with broader eligibility criteria and prohibiting discrimination based on age, sex, sexual orientation, marital status, gender identity, or disability

Expands the definition of "infertility" to include conditions recognized by healthcare providers affecting pregnancy ability, inability to conceive after 12 months (or 6 months for older individuals), lack of necessary gametes, and risk of transmitting inheritable genetic abnormalities

Mandates coverage for at least four complete oocyte retrievals with unlimited embryo transfers, embryo transfers to third parties/surrogates, donor gametes/embryos, and preimplantation genetic testing

Prohibits insurers from imposing different deductibles, copayments, waiting periods, or benefit maximums on infertility treatment compared to other medical services, and bars pre-existing condition exclusions for infertility

Removes the previous $100,000 lifetime coverage cap and applies to accident and sickness insurance policies, nonprofit hospital and medical service corporations, and health maintenance organizations, effective January 1, 2027