Bill > H1191

This bill expands and clarifies the definition of infertility and mandates comprehensive insurance coverage for fertility treatments across multiple Massachusetts healthcare regulations. The bill defines infertility more broadly, including medical diagnoses from physicians, the need for medical intervention to achieve pregnancy, failure to establish pregnancy after 6-12 months of unprotected sexual intercourse (depending on age), and reproductive impairments from various factors. It requires insurance carriers to provide coverage for a wide range of fertility treatments, including up to six oocyte retrievals, unlimited embryo transfers, artificial insemination, surgical sperm extraction, third-party reproduction (such as using donor eggs/sperm or gestational carriers), and genetic testing of embryos. The bill prohibits insurers from imposing discriminatory conditions like arbitrary age limits, different medication coverage, or financial restrictions, and mandates that coverage be provided without discrimination based on characteristics like gender, sexual orientation, or marital status. Importantly, the bill ensures that clinical guidelines for fertility treatments must be evidence-based, current, and transparent, and it preserves medical providers' clinical judgment in determining appropriate treatments.

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https://malegislature.gov/Bills/194/H1191