This state's law requires health maintenance organizations and insurance companies that cover pregnancy-related benefits to cover medically necessary expenses of infertility diagnosis and treatment. The law defines infertility as "the condition of a presumably healthy individual who is unable to conceive or produce conception during a one-year period."
Benefits covered include:
- Artificial insemination;
- In vitro fertilization;
- Gamete Intrafallopian Transfer;
- Sperm, egg and/or inseminated egg retrieval, to the extent that those costs are not covered by the donor's insurer;
- Intracytoplasmic Sperm Injection (ICSI) for the treatment of male infertility; and
- Zygote Intrafallopian Transfer (ZIFT).
Insurers may, but are not required, to cover experimental procedures, surrogacy, reversal of voluntary sterilization or cryopreservation of eggs. (Annotated Laws of Massachusetts, Chapters 175,§ 47H; 176A,§8K;176B,§4J; and l76G,§4, 211 CMR 37.00).