VT H0302

Health insurance plans must cover fertility diagnostic care, fertility preservation services, and fertility treatment including intrauterine insemination, at least four IVF egg retrievals, and unlimited embryo transfers

Vermont Medicaid must provide the same fertility coverage as private insurance, with the Agency of Human Services required to seek federal approval for a state plan amendment by September 1, 2025

Infertility is broadly defined to include medical conditions causing fertility loss, inability to conceive after 12 months (6 months if over age 35), lack of necessary gametes to achieve pregnancy, or risk of transmitting genetic abnormalities

Fertility preservation coverage includes cryopreservation and storage of gametes, embryos, and reproductive material until age 30 or for five years, whichever is longer

Private insurance requirements take effect January 1, 2026 (no later than January 1, 2027 for plan renewals); Medicaid coverage takes effect upon federal CMS approval