The enactment of S2852 is expected to significantly impact state insurance laws by requiring all insurers to cover infertility treatments, which were previously optional or excluded in many plans. By legally defining 'infertility' and delineating the required coverage, the bill establishes a minimum standard for health insurance policies in Rhode Island. This change could encourage other states to consider similar legislation, potentially leading to broader national discussions about healthcare coverage for infertility and women's health.
Summary
Bill S2852 focuses on amending existing laws related to accident and sickness insurance policies in Rhode Island. The bill mandates that all health insurance policies issued in the state that include pregnancy-related benefits must also provide coverage for the diagnosis and treatment of infertility for women aged 25 to 42. This includes procedures such as preimplantation genetic diagnosis (PGD) and in vitro fertilization (IVF). The intention behind this legislation is to enhance access to essential reproductive health services for women and to ensure that infertility treatments are recognized as necessary medical care.
Contention
Notable points of contention surrounding S2852 include the potential financial implications for insurance companies and policyholders. Critics may argue that mandated coverage could lead to increased insurance premiums or complicate the insurance landscape within the state. Additionally, there may be concerns about the ethical implications of genetic testing associated with infertility treatments, especially regarding patient privacy and the use of genetic information. Ultimately, while supporters advocate for the bill as a necessary step towards reproductive equity, opponents warn about the broader repercussions on the insurance market.
Mandates all insurance contracts, plans or policies provide insurance coverage for the expense of diagnosing and treating infertility, for women between the ages of 25 and 42 years including preimplantation genetic diagnosis (PGD) in conjunction with IVF.
Mandates insurance policies, provides coverage to diagnose & treat infertility for women between 25 & 42 years, including pre-implantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF).
Mandates insurance policies, provides coverage to diagnose & treat infertility for women between 25 & 42 years, including pre-implantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF).
Mandates all insurance plans provide insurance coverage for diagnosing and treating infertility for women between the ages of 25 and 42 years including preimplantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF).
Mandates all insurance contracts, plans or policies provide insurance coverage for the expense of testing and treating infertility, including preimplantation genetic testing (PGT), in conjunction with in vitro fertilization (IVF).
Mandates insurance policies, provides coverage to diagnose & treat infertility for women between 25 & 42 years, including pre-implantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF).
Mandates all insurance contracts, plans or policies provide insurance coverage for the expense of diagnosing and treating infertility, for women between the ages of 25 and 42 years including preimplantation genetic diagnosis (PGD) in conjunction with IVF.
Mandates insurance policies, provides coverage to diagnose & treat infertility for women between 25 & 42 years, including pre-implantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF).
Mandates all insurance contracts, plans or policies provide insurance coverage for the expense of testing and treating infertility, including preimplantation genetic testing (PGT), in conjunction with in vitro fertilization (IVF).
Mandates all insurance plans provide insurance coverage for diagnosing and treating infertility for women between the ages of 25 and 42 years including preimplantation genetic diagnosis (PGD) in conjunction with in vitro fertilization (IVF).