Insurance Cover Infertility Diagnosis Treatment Preserve

The act enacts the "Colorado Building Families Act", which requires health benefit plans issued or renewed in Colorado on or after January 1, 2022, to cover diagnosis of infertility, treatment for infertility, and fertility preservation services. The coverage for fertility medications must not impose any limits that are not applicable to coverage under the plan for other prescription medications, and the plan cannot impose deductibles, copayments, coinsurance, benefit maximums, waiting periods, or other limitations that are not applicable to other medical services covered under the plan. A religious employer may request an exclusion from the infertility coverage in a health benefit plan offered by the religious employer if the coverage conflicts with the religious organization's bona fide religious beliefs and practices.

The act directs the division of insurance to make a determination as to whether the coverage required by the act is in addition to essential health benefits required by the federal "Patient Protection and Affordable Care Act" (Affordable Care Act) and would be subject to defrayal by the state pursuant to the Affordable Care Act. The division is to seek confirmation of its determination from the federal department of health and human services, and the coverage applies and is to be implemented by the division in health benefit plans issued or renewed on or after January 1, 2022, if the division receives confirmation that the coverage is not an additional benefit or if the federal department fails to respond in a timely manner.

The act appropriates $3,337 from the division of insurance cash fund to the division of insurance in the department of regulatory agencies for personal services to implement the act.

(Note: This summary applies to this bill as enacted.)