Rhode Island 2026 Regular Session

Rhode Island Senate Bill S2460

Introduced
2/6/26  

Caption

Amends the current law on health insurance coverage for fertility diagnostic care, standard fertility preservation services, and fertility treatment and requires coverage for any medically necessary ovulation-enhancing drugs and medical services.

Impact

The implementation of S2460 will significantly enhance access to fertility treatments for women in the specified age range, ensuring that they are not discriminated against based on arbitrary insurance policy limitations. This aligns state law with modern healthcare practices by obligating insurers to provide comprehensive coverage for conditions that can hinder a woman's ability to conceive. Health maintenance organizations and nonprofit medical service corporations must also adapt their policies to meet these new requirements, expanding the scope of coverage previously offered.

Summary

Bill S2460 amends existing laws surrounding health insurance coverage for the diagnosis and treatment of infertility in women aged 25 to 42. The bill mandates that any health insurance policy that includes pregnancy-related benefits must cover all medically necessary expenses for infertility diagnosis, treatment, and standard fertility preservation services. This includes coverage for ovulation-enhancing drugs and requires that policies cannot impose arbitrary limits on coverage based on factors like number of attempts at treatment or pre-existing conditions related to infertility.

Contention

While there is substantial support for the bill, concerns have been raised regarding potential issues such as coverage limits and the effectiveness of implementation. Some opponents argue that the bill might not cover all necessary treatments comprehensively and may still leave gaps in coverage for specific procedures, potentially resulting in higher out-of-pocket costs for patients. Advocates fear that insurance providers may find loopholes in the bill's language, thereby maintaining certain restrictions unless explicitly stated otherwise.

Companion Bills

No companion bills found.

Previously Filed As

RI H5629

Amends the current law on health insurance coverage for fertility diagnostic care, standard fertility preservation services, and fertility treatment and requires coverage for any medically necessary ovulation-enhancing drugs and medical services.

RI H5771

Mandates Medicaid coverage for fertility diagnostic care, standard fertility preservation services, and fertility treatment.

RI S0691

Requires individual and group health insurance policies that provide pregnancy-related benefits to cover medically necessary expenses for diagnosis and treatment of infertility and standard fertility-preservation services.

RI S0103

Mandates all insurance contracts, plans or policies provide insurance coverage for the expense of diagnosing and treating infertility, for women between the ages of 25 and 42 years including preimplantation genetic diagnosis (PGD) in conjunction with IVF.

RI H5862

Requires insurance companies to prove that a healthcare service or procedure is not medically necessary.

RI S0897

Requires health insurance providers to provide insurance coverage for pharmacists’ services.

RI H5627

Requires health insurance providers to provide insurance coverage for pharmacists’ services.

RI S0684

Prohibits a policy of individual health insurance coverage from requiring prior authorization for prescriptions of generic medication.

RI H6158

Mandates insurance coverage for scalp cooling treatments for breast cancer patients undergoing chemotherapy to prevent hair loss during chemotherapy treatments.

RI S0705

Requires insurance coverage for all community health workers' services to include health and promotion coaching, health education and training, health system navigation and resource coordination services, care planning and follow-up care recommendations.

Similar Bills

NJ A1679

Provides certain deceptive practices in advertising of pregnancy-related services or health care services violate consumer fraud act.

NJ S3319

Provides certain deceptive practices in advertising of pregnancy-related services violate consumer fraud act.

KS HB2635

Enacting the pregnancy center autonomy and rights of expression act to protect the ability of private pregnancy centers to provide life-affirming care.

OK HB3194

Pregnancy centers; terms; agencies; pregnancy center; prohibitions; abortion-inducing drugs or contraception; counsel; staffing or hiring decisions; remedies; severability; effective date.

NJ A3753

Requires crisis pregnancy centers to disclose certain information in multiple languages.

SC H3504

Pregnancy CARE Act

SC H3012

Pregnancy CARE Act

NJ SR30

Supports work of pregnancy resource centers and condemns harassment of pregnancy resource centers by AG.