This bill requires all health plans in Minnesota that provide maternity benefits to cover infertility treatments and standard fertility preservation services. It also mandates coverage under state health programs such as Medical Assistance and MinnesotaCare. Key provisions include:

1. Scope & Definitions: The bill defines infertility and the treatments covered, referencing guidelines from major reproductive health organizations. It includes procedures for individuals unable to conceive after a set period or requiring medical intervention.

2. Coverage Requirements: Health plans must provide comprehensive infertility treatment, including unlimited embryo transfers and up to four completed oocyte retrievals. Surgical reversal of elective sterilization is not covered.

3. Cost-Sharing Prohibitions: Plans cannot impose higher cost-sharing (e.g., copayments, deductibles) for infertility treatments than what is required for maternity coverage.

4. Exclusions & Limitations: Health plans cannot place unique restrictions on fertility medications or limit coverage based on participation in third-party fertility services.

5. Reimbursement for Insurers: The state will reimburse health insurance companies for additional costs related to this mandate that were not covered before January 1, 2025.

6. Appropriation of Funds: The bill allocates funding to the Minnesota Commissioner of Commerce to compensate insurers for these costs.

Overall, this legislation aims to expand insurance coverage for infertility treatments and ensure individuals have access to medically necessary reproductive health services.