An Act To Mandate Insurance Coverage for Infertility Treatment
Sec. 1. 24 MRSA §2320-H is enacted to read:
§ 2320-H. Infertility
(1) In vitro fertilization;
(2) Uterine embryo lavage;
(3) Embryo transfer;
(4) Artificial insemination;
(5) Gamete intrafallopian transfer;
(6) Zygote intrafallopian transfer;
(7) Intracytoplasmic sperm injection;
(8) Four completed egg retrievals per lifetime; and
(9) Low tubal ovum transfer.
Sec. 2. 24-A MRSA §2745-H is enacted to read:
§ 2745-H. Infertility
(1) In vitro fertilization;
(2) Uterine embryo lavage;
(3) Embryo transfer;
(4) Artificial insemination;
(5) Gamete intrafallopian transfer;
(6) Zygote intrafallopian transfer;
(7) Intracytoplasmic sperm injection;
(8) Four completed egg retrievals per lifetime; and
(9) Low tubal ovum transfer.
Sec. 3. 24-A MRSA §2837-I is enacted to read:
§ 2837-I. Infertility
(1) In vitro fertilization;
(2) Uterine embryo lavage;
(3) Embryo transfer;
(4) Artificial insemination;
(5) Gamete intrafallopian transfer;
(6) Zygote intrafallopian transfer;
(7) Intracytoplasmic sperm injection;
(8) Four completed egg retrievals per lifetime; and
(9) Low tubal ovum transfer.
Sec. 4. 24-A MRSA §4234-F is enacted to read:
§ 4234-F. Infertility
(1) In vitro fertilization;
(2) Uterine embryo lavage;
(3) Embryo transfer;
(4) Artificial insemination;
(5) Gamete intrafallopian transfer;
(6) Zygote intrafallopian transfer;
(7) Intracytoplasmic sperm injection;
(8) Four completed egg retrievals per lifetime; and
(9) Low tubal ovum transfer.
Sec. 5. Application. This Act applies to all policies, contracts and certificates executed, delivered, issued for delivery, continued or renewed in this State on or after January 1, 2012. For purposes of this Act, all contracts are deemed to be renewed no later than the next yearly anniversary of the contract date.
summary
This bill requires that health insurance policies include coverage for the treatment of infertility if:
1. The covered individual is married;
2. The covered individual's infertility is not the result of a sexually transmitted disease; and
3. The number of embryos implanted does not exceed the number set forth in standards adopted by the American Society of Reproductive Medicine or a successor organization.
Under this bill, a policy that provides such coverage may require a 50% or lower copayment by the insured.
This bill applies to all policies in effect on or after January 1, 2012.