SENATE BILL NO. 1130


   May 14, 1998, Introduced by Senators PETERS, CHERRY, VAUGHN, 
        MILLER, A. SMITH and O'BRIEN and referred to the Committee   
        on Health Policy and Senior Citizens.



        A bill to amend 1956 PA 218, entitled

   "The insurance code of 1956,"

   (MCL 500.100 to 500.8302) by adding section 3609.

               THE PEOPLE OF THE STATE OF MICHIGAN ENACT:

 1         SEC. 3609.  (1) ON AND AFTER JANUARY 1, 1998, IN EACH

 2    EXPENSE-INCURRED HOSPITAL, MEDICAL, OR SURGICAL GROUP POLICY OR

 3    CERTIFICATE THAT COVERS 10 OR MORE EMPLOYEES OR MEMBERS AND PRO-

 4    VIDES PREGNANCY-RELATED COVERAGE AND THAT IS DELIVERED, ISSUED

 5    FOR DELIVERY, OR RENEWED IN THIS STATE, AN INSURER SHALL PROVIDE

 6    COVERAGE FOR THE DIAGNOSIS AND TREATMENT OF INFERTILITY, INCLUD-

 7    ING, BUT NOT LIMITED TO, IN VITRO FERTILIZATION, EMBRYO TRANSFER,

 8    ARTIFICIAL INSEMINATION, GAMETE INTRAFALLOPIAN TUBE TRANSFER,

 9    ZYGOTE INTRAFALLOPIAN TUBE TRANSFER, AND INTRACYTOPLASMIC SPERM

10    INJECTION.




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 1         (2) COVERAGE UNDER SUBSECTION (1) FOR IN VITRO

 2    FERTILIZATION, GAMETE INTRAFALLOPIAN TUBE TRANSFER, OR ZYGOTE

 3    INTRAFALLOPIAN TUBE TRANSFER IS REQUIRED ONLY IF ALL OF THE FOL-

 4    LOWING APPLY:

 5         (A) THE COVERED INDIVIDUAL HAS BEEN UNABLE TO ATTAIN OR SUS-

 6    TAIN A SUCCESSFUL PREGNANCY THROUGH REASONABLE, LESS COSTLY MEDI-

 7    CALLY APPROPRIATE INFERTILITY TREATMENTS FOR WHICH COVERAGE IS

 8    AVAILABLE UNDER THE POLICY OR CERTIFICATE.

 9         (B) THE COVERED INDIVIDUAL HAS NOT UNDERGONE 3 OR MORE COM-

10    PLETED OOCYTE RETRIEVALS.  HOWEVER, IF A LIVE BIRTH FOLLOWS A

11    COMPLETED OOCYTE RETRIEVAL, THEN 2 MORE COMPLETED OOCYTE RETRIEV-

12    ALS SHALL BE COVERED.

13         (C) THE PROCEDURES ARE PERFORMED AT MEDICAL FACILITIES THAT

14    CONFORM TO THE AMERICAN SOCIETY FOR REPRODUCTIVE MEDICINE GUIDE-

15    LINES FOR IN VITRO FERTILIZATION CLINICS AND MINIMAL STANDARDS

16    FOR PROGRAMS OF IN VITRO FERTILIZATION.

17         (3) THE PROCEDURES REQUIRED TO BE COVERED UNDER THIS SECTION

18    ARE NOT REQUIRED TO BE CONTAINED IN ANY POLICY OR CERTIFICATE

19    ISSUED TO A RELIGIOUS INSTITUTION OR ORGANIZATION OR TO AN ENTITY

20    SPONSORED BY A RELIGIOUS INSTITUTION OR ORGANIZATION THAT FINDS

21    THE PROCEDURES REQUIRED TO BE COVERED UNDER THIS SECTION TO VIO-

22    LATE ITS RELIGIOUS AND MORAL TEACHINGS AND BELIEFS.

23         (4) AS USED IN THIS SECTION, "INFERTILITY" MEANS THE INABIL-

24    ITY TO CONCEIVE AFTER 1 YEAR OF UNPROTECTED SEXUAL INTERCOURSE OR

25    THE INABILITY TO SUSTAIN A SUCCESSFUL PREGNANCY.







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