Bill > SB527

This bill, known as the Building Families Act, aims to require health insurance plans in Montana to provide coverage for infertility diagnosis and treatment, including in vitro fertilization. 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. It mandates that all small group, large group, and individual health insurance policies must include coverage for infertility treatments, with a lifetime coverage of at least $25,000 for fertilization services. The bill prohibits insurers from imposing different restrictions or limitations on fertility medications or services compared to other medical treatments, ensuring that patients have equitable access to these services. The legislation is motivated by data showing that over 12% of women of reproductive age have difficulty getting pregnant, and aims to improve health outcomes, reduce healthcare costs, and support families facing barriers to conception. The bill will apply to all health insurance policies issued or renewed in Montana on or after October 1, 2025, and is part of a broader effort to expand healthcare services and support potential new residents and young families in the state.

Government Affairs

https://bills.legmt.gov/#/laws/bill/2/LC3527