Bill > HB565

This bill, known as the "Building Families Act," requires health insurance companies in Montana to provide coverage for infertility diagnosis and treatment, including in vitro fertilization (IVF). The bill defines infertility as the failure to establish or carry a pregnancy to live birth after 12 months of unprotected sexual intercourse for women under 35, or 6 months for women 35 and older, or based on a physician's medical assessment. Insurance policies must provide at least $40,000 in lifetime coverage for fertility services and cannot impose different restrictions, deductibles, or limitations on fertility treatments compared to other medical services. The legislation aims to increase accessibility to infertility treatments, recognizing that about 12% of women of reproductive age have difficulty getting pregnant, and that infertility affects both men and women equally. The bill is motivated by the belief that improving access to fertility treatments can enhance health outcomes, potentially reduce healthcare costs, support families wanting to grow, and help Montana retain and attract young residents. The coverage requirements will apply to all small group, large group, and individual health insurance policies issued or renewed in Montana starting October 1, 2025.

Health and Social Services

https://bills.legmt.gov/#/laws/bill/2/LC1388