Bill > SB351

This bill amends Pennsylvania's insurance law to require health insurance policies that provide pregnancy-related benefits to cover infertility treatments, including in vitro fertilization, embryo transfer, artificial insemination, and other advanced reproductive techniques. The bill allows insurers to impose certain restrictions, such as excluding coverage for reversal of elective sterilization, setting waiting periods aligned with medical society guidelines, and limiting coverage to the policyholder and spouse. The bill defines infertility as the inability to conceive after one year of unprotected sexual intercourse or sustain a successful pregnancy, and specifies that coverage must be available for both the policyholder and dependents. Insurers can require medical facilities to meet professional medical standards for reproductive treatments, limit the number of assisted reproductive technology procedures to three attempts, and impose copayments that do not exceed those for pregnancy-related benefits. The bill also provides an exemption for religious institutions that find these procedures conflicting with their religious beliefs, and defines the types of health insurance policies to which this requirement applies. The legislation will take effect 60 days after its enactment, aiming to expand access to fertility treatments for individuals and couples struggling to conceive.

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https://www.legis.state.pa.us/cfdocs/billinfo/bill_history.cfm?syear=2025&sind=0&body=S&type=B&bn=351