An Act improving access to infertility treatment

HD 3095 (Massachusetts) defines infertility and mandates comprehensive health insurance coverage for infertility treatment. The bill requires insurers to cover specific services including up to six oocyte retrievals, unlimited embryo transfers (with single embryo transfer when medically appropriate), artificial insemination, sperm extraction, and third-party reproduction like IVF with donor eggs/sperm or gestational carriers. Insurers cannot impose extra restrictions such as higher deductibles, age limits, limits on treatment attempts, or discrimination based on protected characteristics (e.g., gender identity, sexual orientation). This coverage must align with clinical guidelines from major medical societies and cannot override existing benefits or medical provider judgment. The law directly affects insured individuals seeking infertility treatment in Massachusetts.