An Act improving access to infertility treatment

This bill expands insurance coverage for infertility treatment in Massachusetts by defining infertility broadly to include medical history, need for intervention (like donor gametes), time to conceive, and reproductive challenges. It mandates coverage for specific treatments including up to six oocyte retrievals, unlimited embryo transfers (with single embryo transfer when medically appropriate), artificial insemination, and third-party reproduction like IVF with donor eggs/sperm. Insurers must cover these services without imposing different deductibles, age limits, or arbitrary restrictions that don't align with medical guidelines, and cannot discriminate based on protected characteristics like gender identity or sexual orientation. The law directly affects insured Massachusetts residents seeking infertility care, requiring insurers to provide comprehensive coverage per clinical standards.