Coverage Mandate 1:


Effective 1987.

To qualify as a health maintenance organization (HMO), an entity must provide “basic health care services,” which includes “infertility services.” Montana law does not define “infertility services.”

Mont. Code Ann. § 33-31-102(3) (2021).

Scope of Mandate 2:

Applies only to HMOs.

Mont. Code Ann. § 33-31-102(3) (2021).

Coverage Cap 3:


Requirements or Limitations on Coverage 4:

Montana’s statute does not define “infertility services” or otherwise describe the scope of covered services, nor do any state regulations.

Exemptions 5:

Employers who self-insure are exempt from the requirements of the law.

Fertility Preservation: 




1 Does the state have a coverage mandate, Y/N. Include effective date of the mandate. Specify if the mandate is to “offer” services or to “cover” them.

2Which insurers are required to comply with the mandate. If not applicable, put N/A.

3Is there a cap (annual/lifetime)?

4Does the law impose age restrictions on eligibility for coverage? Does it limit the number of IVF cycles covered (or require at least a certain number of services be covered)? Does it mandate a waiting period? Other limitations? How is “infertility” defined? Is it inclusive (e.g.: does it apply only to married or -opposite sex couples, or is it inclusive?)

5What, if any, exemptions apply to coverage under the mandate? For example: an exemption for small businesses or religious organizations.
is a patient education website of ASRM.



Dobbs Decision

For more information

  • If you have questions about insurance laws in your state or territory, please call your state or territory's Insurance Commissioner's office.
  • To learn about pending legislation in your state or territory, please contact your State or Territory Representatives.

The Employment Retirement Income and Security Act of 1974 exempts companies that self-insure from state regulation.