Requires health benefit plans to provide coverage for in vitro fertilization

This bill requires health insurance plans and benefit providers in Missouri to cover in vitro fertilization (IVF) for policies issued or renewed on or after January 1, 2025. The coverage must include services performed at medical facilities that meet specific guidelines set by the American College of Obstetricians and Gynecologists or the American Society for Reproductive Medicine. The law explicitly excludes various types of supplemental insurance, such as accident-only policies, Medicare supplements, and long-term care plans, from this requirement.