Bill > SB0922

This bill, effective January 1, 2027, mandates that health insurance providers in Michigan must cover infertility treatments, including diagnostic care, standard fertility preservation services (like freezing eggs or sperm), and at least four oocyte retrievals (egg collections) with unlimited embryo transfers. It also requires coverage for medical costs associated with embryo transfers to a third party, but not the surrogate's medical costs after the transfer, and this coverage must apply regardless of whether donor gametes (sperm or eggs) or embryos are used, or if an embryo is transferred to a surrogate. The bill explicitly prohibits discrimination in coverage based on various personal characteristics and prevents insurers from imposing different deductibles, copayments, waiting periods, or other limitations on infertility treatments compared to other health services. It also forbids preexisting condition exclusions or limitations based on prior infertility diagnoses or treatments, and ensures coverage is not restricted by arbitrary factors like the number of attempts or age, aligning with protections under the Elliot-Larsen Civil Rights Act. Furthermore, the bill requires coverage for fertility medications to be the same as for other prescription drugs and mandates that coverage decisions be based on a healthcare provider's medical assessment, not solely on policy limitations. It also ensures coverage even if an insured foregoes a treatment deemed likely to be unsuccessful by their provider or if they wish to use previously retrieved eggs or embryos. The bill defines key terms such as "fertility diagnostic care," "fertility treatment," "gamete," "healthcare provider," "infertility," "oocyte," and "standard fertility preservation services" to clarify the scope of these requirements.