Bill > S0103

This bill mandates that all health insurance contracts, plans, and policies in Rhode Island that include pregnancy-related benefits must provide coverage for infertility diagnosis and treatment for women between 25 and 42 years old. Specifically, the bill requires insurers to cover medically necessary expenses related to infertility, including preimplantation genetic diagnosis (PGD) when used in conjunction with in vitro fertilization (IVF). PGD is a technique that allows genetic testing of embryos before they are transferred to the uterus, which can help identify potential genetic disorders. The bill applies to various types of health insurance providers, including health insurance companies, nonprofit hospital service corporations, nonprofit medical service corporations, and health maintenance organizations. Insurers can impose a subscriber copayment of up to 20% for infertility treatments and may limit lifetime coverage to $100,000. The bill defines infertility as the inability to conceive or sustain a pregnancy for one year and includes coverage for fertility preservation services when medical treatments might cause infertility. The new requirements will take effect on January 1, 2026, expanding access to fertility treatments and genetic screening for women of reproductive age.

Health and Social Services

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