Require health insurance companies doing business in Montana to cover IVF treatment

This bill requires health insurance companies operating in Montana to cover infertility diagnosis and treatment, including in vitro fertilization, for individuals, spouses, and dependents. It mandates that all health plans offering medical coverage provide at least $40,000 in lifetime benefits for fertilization services and prohibits insurers from applying different restrictions to fertility medications or services than those applied to other prescription drugs and medical treatments. The legislation defines infertility based on specific timeframes for attempting pregnancy and includes coverage for cases involving life-threatening genetic diseases, while excluding individuals who have undergone voluntary sterilization.