Bill > HB487

This bill creates new requirements for health insurance coverage of fertility treatments in Missouri, mandating that health benefit plans covering more than 25 employees must include comprehensive fertility treatment coverage starting August 28, 2025. The bill defines "infertility" broadly, including conditions where individuals cannot achieve pregnancy based on medical history, diagnostic testing, or age-related factors (specifically, inability to conceive after 12 months for women under 35 and 6 months for women 35 and older). The required coverage must include in vitro fertilization (IVF), embryo transfer, artificial insemination, and medically necessary egg freezing for patients undergoing treatments like chemotherapy that might impair fertility. For IVF specifically, coverage is limited to cases where less costly treatments have been unsuccessful, the individual has not undergone more than four egg retrievals (with two additional retrievals allowed after a live birth), and procedures are performed at facilities meeting professional medical standards. The bill includes an exemption for health plans issued by religious institutions that object to these procedures on religious or moral grounds, ensuring those organizations are not required to provide such coverage.

https://house.mo.gov/Bill.aspx?bill=HB487&year=2025&code=R