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SECOND REGULAR SESSION
HOUSE BILL NO. 2724
103RD GENERAL ASSEMBL Y
INTRODUCED BY REPRESENT A TIVE APPELBAUM.
4385H.01I JOSEPH ENGLER, Chief Clerk
AN ACT
T o amend chapter 376, RSMo, by adding thereto one new section relating to insurance
coverage for fertility treatments.
Be it enacted by the General Assembly of the state of Missouri, as follows:
Section A. Chapter 376, RSMo, is amended by adding thereto one new section, to be
2 known as section 376.121 1, to read as follows:
376.121 1. 1. As used in this section, the following terms shall mean:
2 (1) "Health benefit plan", the same meaning given to the term in section
3 376.1350;
4 (2) "Infertility", a disease, condition, or status characterized by:
5 (a) The inability to achieve a successful preg nancy based on a patient's medical,
6 sexual, and repr oductive history; age; physical findings; diagnostic testing; or any
7 combination ther eof;
8 (b) The need for medical intervention, such as the use of donor gametes or donor
9 embryos, to achieve a successful pr egnancy either as an individual or with a partner; or
10 (c) An inability to conceive or sustain a successful pr egnancy after reg ular ,
11 unpr otected sexual intercourse for:
12 a. T welve months for women under thirty-five years of age; or
13 b. Six months for women thirty-five years of age or older .
14 2. No health benefit plan pr oviding coverage for mor e than twenty-five
15 employees that pr ovides pregn ancy-related benefits shall be issued, amended, deliver ed,
16 or r enewed in this state on or after August 28, 2026, unless the plan includes coverage
17 for the diagnosis and tr eatment of infertility . Coverage shall include, but is not limited
EXPLANA TION — Matter enclosed in bold-faced brackets [thus] in the above bill is not enacted and is
intended to be omitted from the law . Matter in bold-face type in the above bill is proposed language.
18 to, in vitro fertilization, embryo transfer , artificial insemination, and medically
19 necessary oocyte cryopr eservation for patients undergoing medical tr eatments known
20 to cause significant impairment of fertility , such as chemotherapy .
21 3. Coverage for in vitr o fertilization shall be requ ired under this section only if:
22 (1) The cover ed individual has been unable to achieve or sustain a successful
23 pr egnancy thr ough less costly , medically appr opriate infertility tr eatments cover ed
24 under the health benefit plan;
25 (2) The cover ed individual has not undergone four completed oocyte retri evals,
26 except that if a live birth follows a completed oocyte ret rieval, two additional oocyte
27 r etrievals shall be cover ed; and
28 (3) The pro cedur es are performed at facilities that conform to the guidelines for
29 in vitr o fertilization clinics issued by the American College of Obstetricians and
30 Gynecologists or to the minimal standards for in vitr o fertilization pr ograms issued by
31 the American Society for Repr oductive Medicine.
32 4. Any individual who meets the req uirements for coverage under subsection 2
33 of this section for any proce dure other than in vitr o fertilization shall not be r equir ed to
34 meet any other conditions for appr oval of such coverage.
35 5. Coverage for the proced ures specified in this section is not r equir ed in any
36 health benefit plan issued to or by a r eligious institution or organization, or to or by an
37 entity sponsor ed by a r eligious institution or organization, that finds the pr ocedur es to
38 violate its re ligious and moral teachings and beliefs.
✔
HB 2724 2