This bill proposes requiring health insurance plans in Minnesota to cover infertility treatments and standard fertility preservation services. It applies to all health plans that provide maternity benefits to Minnesota residents, as well as to medical assistance programs like MinnesotaCare.

Key provisions include:
- Definitions: Infertility is defined as the inability to conceive after a period of unprotected intercourse (12 months for individuals under 35, 6 months for those 35 and older) or a licensed healthcare provider's diagnosis. Standard fertility preservation services are for individuals undergoing medical treatments that may impair fertility.
- Required Coverage: Health plans must cover infertility diagnosis and treatment, as well as fertility preservation services. Coverage must include unlimited embryo transfers but may limit completed oocyte retrievals to four. Surgical reversal of elective sterilization is not required.
- Cost-Sharing Restrictions: Out-of-pocket costs (such as copayments, deductibles, and coinsurance) for infertility treatments cannot exceed those applied to maternity coverage.
- Exclusions and Limitations: Health plans cannot impose waiting periods, extra utilization reviews, or other restrictions beyond those applied to maternity benefits.
- Reimbursement: The Minnesota Department of Commerce will reimburse insurers for the costs of providing these benefits, but only for coverage that was not already included in plans as of January 1, 2025.
- Funding: Necessary funds will be appropriated annually to cover implementation and reimbursement costs.

This bill aims to improve access to infertility treatments and fertility preservation services in Minnesota by ensuring insurance coverage without additional financial burdens on patients.