Rhode Island 2025 Regular Session

Rhode Island House Bill H5629

Introduced
2/26/25  

Caption

Amends the current law on health insurance coverage for fertility diagnostic care, standard fertility preservation services, and fertility treatment and requires coverage for any medically necessary ovulation-enhancing drugs and medical services.

Impact

If enacted, HB 5629 would integrate comprehensive infertility treatment coverage into state law, requiring insurance companies to offer certain essential fertility services without imposing restrictions such as copayments, waiting periods, or limits based on arbitrary factors. This would effectively expand the insurance protections available to individuals seeking infertility treatments, ensuring that they are not unfairly discriminated against due to age, gender, or prior health conditions that may affect their fertility.

Summary

House Bill 5629 seeks to amend existing laws regarding health insurance coverage for infertility treatments in Rhode Island. The bill mandates that health insurance policies providing pregnancy-related benefits must cover the medically necessary diagnostic expenses and treatments for infertility for women aged 25 to 42. This coverage includes fertility preservation services, medical costs associated with ovulation-enhancing drugs, and procedures that may arise from medically necessary treatments causing iatrogenic infertility.

Contention

While proponents argue that the bill helps increase access to necessary healthcare for women, opponents may raise concerns regarding the potential financial implications for insurers, fearing that mandated coverage could lead to increased premiums. Additionally, the precise definitions laid out in the bill regarding infertility and the procedures included might spark debates regarding the scope and extent of required coverage, particularly concerning if and how treatments involving donor gametes or surrogacy are handled. Thus, discussions about equity in reproductive health access versus insurer sustainability and cost-effectiveness are likely to be at the forefront of legislative proceedings.

Companion Bills

No companion bills found.

Previously Filed As

RI H5628

Mandates all health insurance contracts, plans, or policies provide the same reimbursement to independent healthcare facilities as that of hospital affiliated facilities where the same healthcare service is provided.

RI S0051

Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2026.

RI H5082

Limits copays, coinsurance or office deductibles for services of a physical therapist to the amount authorized for the services of a primary care physician or osteopath on or after January 1, 2026.

RI H6158

Mandates insurance coverage for scalp cooling treatments for breast cancer patients undergoing chemotherapy to prevent hair loss during chemotherapy treatments.

RI S0263

Requires coverage for acute mental health crisis mobile response and stabilization services to eligible individuals enrolled as plan beneficiaries.

RI H6118

Requires coverage for acute mental health crisis mobile response and stabilization services to eligible individuals enrolled as plan beneficiaries.

RI S0115

Requires health plans that provide prescription benefits to cover at least one type of glucagon auto-injector, nasal spray, or formulation that does not require reconstitution to treat hypoglycemia. No copayment or deductible would be required.

RI H5173

Requires health plans that provide prescription benefits to cover at least one type of glucagon auto-injector, nasal spray, or formulation that does not require reconstitution to treat hypoglycemia. No copayment or deductible would be required.

Similar Bills

RI S0691

Requires individual and group health insurance policies that provide pregnancy-related benefits to cover medically necessary expenses for diagnosis and treatment of infertility and standard fertility-preservation services.

RI S0103

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.

RI H5771

Mandates Medicaid coverage for fertility diagnostic care, standard fertility preservation services, and fertility treatment.

WV HB2824

Requiring medical insurance providers to include infertility services in their policies

WV SB669

Requiring medical insurance providers to include infertility services in policies

MA H1190

Relative to modern family building

MA S715

Relative to modern family building

VT H0302

An act relating to health insurance and Medicaid coverage for fertility care