Bill > H5629

This bill expands health insurance coverage for fertility diagnostic care, fertility preservation, and fertility treatments across multiple types of insurance policies in Rhode Island. The legislation broadens the definition of infertility to include various medical, genetic, and reproductive conditions, removes age restrictions (previously limited to women aged 25-42), and requires insurers to provide comprehensive coverage without discrimination. Key provisions include mandating coverage for at least four complete oocyte retrievals with unlimited embryo transfers, covering medical costs for embryo transfers, and allowing coverage for donor gametes, embryos, and surrogacy. The bill prohibits insurers from imposing additional limitations, deductibles, or exclusions on fertility-related treatments that differ from other medical services. Insurers must base their coverage on medical assessments from healthcare providers and follow guidelines from professional reproductive medicine organizations. The legislation applies to health insurance contracts, nonprofit hospital service corporations, nonprofit medical service corporations, and health maintenance organizations, with an implementation date of January 1, 2026.

Health and Social Services

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