Insurance: health insurers; coverage for the treatment of infertility; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406cc.

This bill requires health insurance companies in Michigan to cover infertility treatments starting in January 2026. It mandates that policies include diagnostic care, fertility treatments, preservation services, and at least four complete egg retrievals with unlimited embryo transfers. The law prohibits insurers from imposing higher deductibles, waiting periods, or exclusions specifically for infertility and ensures coverage regardless of whether donor gametes or surrogacy are involved. Additionally, the bill defines infertility and fertility services based on current medical guidelines while protecting the clinical judgment of healthcare providers.