Montana Fertility Insurance Coverage
Partial coverage requiredOverview of state insurance mandates and fertility coverage requirements for Montana. Applies to fully-insured health plans regulated by the state.
Coverage Summary
| Benefit | Required by State |
|---|---|
| Mandate to offer fertility coverage | No |
| Diagnosis coverage | Yes |
| Treatment coverage | Yes |
| IVF included | No |
| Fertility preservation included | Yes |
Coverage Details
Montana: private insurance context - Covered: a 1987-era mandate requires HMOs to include infertility services as a basic health care service, while a separate 2024 law adds a fertility-preservation mandate for individual and group plans covering cancer-related iatrogenic infertility, excluding self-insured and religious employers. Medicaid context - Covered: Evaluation of laboratory assessments, fertility preservation for cancer-related iatrogenic infertility; Not Covered: infertility treatment. State mandates vary by market and plan type and generally do not control self-funded employer plans.
Self-Funded Employer Plans (ERISA)
Source & Dates
- Data as of:
- 2026-06-10
- Next review:
- 2026-08-09
Disclaimer
This is not legal or insurance advice. Verify coverage directly with your insurer and HR benefits team. Self-funded employer plans (ERISA) are generally exempt from state mandates. Information reflects the reviewed source as of the date noted above and may not reflect recent legislative or regulatory changes.
Pricing and insurance details are compiled from public sources and change frequently — confirm directly with the clinic. Full disclaimer