Modifies provisions relating to assisted reproductive technology

This bill modifies how human embryos created through assisted reproductive technology are legally defined, excluding them from the definition of "unborn child" before they are implanted in a uterus. It also requires most health benefit plans that cover pregnancy-related services to include infertility diagnosis and treatment, with an exception for plans issued by or to religious institutions. These changes directly affect fertility clinics, insurance providers, and individuals seeking reproductive care by clarifying legal protections for embryos and expanding coverage for infertility treatments.