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The HOPE with Fertility Services Act requires group health plans and health insurance issuers that cover obstetrical services to provide comprehensive coverage for infertility and iatrogenic infertility treatments. The bill defines infertility broadly to include conditions preventing spontaneous pregnancy and defines iatrogenic infertility as fertility impairment caused by medical treatments such as surgery, chemotherapy, or radiation. Coverage must include both assisted reproductive technologies (like in vitro fertilization) and non-invasive treatments (like ovulation induction), subject to the same cost-sharing and utilization management standards applied to other medical benefits. Plans must submit annual analyses demonstrating that utilization management tools are applied no more stringently to fertility treatments than to other covered services.
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