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S 5734

Expands insurance coverage for in vitro fertilization to include three complete oocyte retrievals and in vitro fertilization with unlimited embryo transfers; includes coverage under individual policies

2025 Regular Session Introduced by Jessica Scarcella-Spanton

S 5734 - Expands Insurance Coverage for In Vitro Fertilization OverviewBill Number: S 5734 Title: Expands insurance coverage for in vitro fertilization to include three complete o

REFERRED TO WOMEN'S ISSUES
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Bill Summary · S 5734

S 5734 - Expands Insurance Coverage for In Vitro Fertilization

Overview

Bill Number: S 5734
Title: Expands insurance coverage for in vitro fertilization to include three complete oocyte retrievals and in vitro fertilization with unlimited embryo transfers; includes coverage under individual policies
Status: REFERRED TO WOMEN'S ISSUES
Introduced: February 28, 2025

Purpose and Intent

The primary goal of this bill is to expand insurance coverage for in vitro fertilization (IVF) procedures. Currently, many insurance plans place strict limits on the number of IVF cycles they will cover, which can create significant financial barriers for individuals and couples seeking fertility treatments. This bill aims to make IVF more accessible and affordable by mandating more comprehensive coverage.

Key Provisions

  • Requires insurance plans to cover up to three complete oocyte (egg) retrieval procedures per patient
  • Allows for unlimited embryo transfer procedures following the initial oocyte retrievals
  • Expands coverage requirements to include individual/non-group insurance policies, not just group plans
  • Prohibits insurance plans from imposing any annual or lifetime dollar limits on IVF coverage
  • Requires plans to cover fertility preservation procedures (e.g. egg/sperm freezing) for individuals facing infertility due to medical treatments

Affected Parties and Impacts

  • Individuals and couples struggling with infertility who require IVF treatments would benefit from the expanded insurance coverage, making the procedures more accessible and affordable
  • Insurance providers would be required to offer more robust IVF benefits, which could lead to increased premiums for policyholders
  • Fertility clinics and healthcare providers may see increased demand for their services as IVF becomes more accessible

Procedural and Timeline Considerations

The bill has been referred to the Senate Committee on Women's Issues for further consideration and review. If passed by the committee, it would then move to the full Senate for a vote. If approved by the Senate, the bill would then proceed to the House of Representatives for consideration. The timeline for the bill's progression is uncertain, as it depends on the committee's schedule and the broader legislative agenda.

Compiled from official sources — confirm details with the bill’s official record.

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