Health plans requirement to cover infertility treatment and standard fertility preservation services

This bill requires most Minnesota health plans that offer maternity benefits to cover infertility diagnosis and treatment (including medications and procedures consistent with medical guidelines) and standard fertility preservation services (such as egg or sperm freezing before cancer treatment). It defines infertility as the inability to conceive after 6-12 months of trying (depending on age), mandates coverage without cost-sharing exceeding maternity plan limits, and limits embryo retrievals to four while allowing unlimited transfers. Health plans cannot impose extra waiting periods, referral requirements, or service-specific limits beyond those for maternity care. The bill applies to private health plans, MinnesotaCare, and medical assistance programs.