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Bill > AB568

WI AB568

WI AB568
Coverage of infertility services under health policies and plans and granting rule-making authority. (FE)

summary

Introduced
10/24/2025
In Committee
10/24/2025
Crossed Over
Passed
Dead

Introduced Session

2025-2026 Regular Session

Bill Summary

This bill requires health insurance policies and self-insured governmental health plans that cover medical or hospital expenses to cover diagnosis of and treatment for infertility and standard fertility preservation services. Coverage required under the bill must include at least four completed egg retrievals with unlimited embryo transfers in accordance with certain guidelines and single embryo transfer is allowed when recommended and medically appropriate. Policies and plans are prohibited from imposing an exclusion, limitation, or other restriction on coverage of medications of which the bill requires coverage that is not imposed on any other prescription medications covered under the policy or plan. Similarly, policies and plans may not impose any exclusion, limitation, cost-sharing requirement, benefit maximum, waiting period, or other restriction on diagnosis, treatment, or services for which coverage is required under the bill that is different from any exclusion, limitation, cost-sharing requirement, benefit maximum, waiting period, or other restriction imposed on benefits for other services. Also, policies and plans may not impose an exclusion, limitation, or other restriction on diagnosis, treatment, or services for which coverage is required under the bill on the basis that an insured person participates in fertility services provided by or to a third party. Current law refers to health insurance policies as disability insurance policies. For further information see the state fiscal estimate, which will be printed as an appendix to this bill. This proposal may contain a health insurance mandate requiring a social and financial impact report under s. 601.423, stats.

AI Summary

This bill requires health insurance policies and self-insured government health plans to cover infertility diagnosis, treatment, and standard fertility preservation services. The bill defines infertility as the inability to establish or carry a pregnancy to live birth after a specific period of unprotected sexual intercourse (12 months for women under 35, and 6 months for women 35 and older), or the inability to reproduce without medical intervention. The coverage must include at least four completed egg retrievals with unlimited embryo transfers, following guidelines from reproductive medicine professional organizations. Insurance providers are prohibited from imposing different restrictions or limitations on infertility-related services compared to other medical services, including medication coverage. The bill ensures that coverage applies to all covered individuals, including spouses and dependents, and mandates that fertility services cannot be denied based on the use of third-party fertility services. The insurance commissioner is tasked with creating rules for implementation, and the coverage requirements will take effect on the first day of the fourth month after the bill's publication. The bill aims to provide more comprehensive and equitable access to fertility treatments and preservation services for individuals experiencing infertility.

Committee Categories

Business and Industry

Sponsors (28)

Last Action

Representative J. Jacobson added as a coauthor (on 02/09/2026)
(1 Companion Bills)

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