Create the building families act

SB 527, the "Building Families Act," would require most health insurance plans in Montana to cover infertility diagnosis and treatment, including in vitro fertilization (IVF), up to a $25,000 lifetime limit. It directly affects insured Montanans seeking infertility care by mandating coverage for these services without extra deductibles, copays, or restrictions that differ from standard medical coverage. The bill defines infertility based on medical guidelines and prohibits insurers from imposing unique limitations on fertility treatments compared to other prescription drugs or services. It applies to all small group, large group, and individual health plans sold in Montana that cover medical expenses.