First, ask your employer if your health plan is “self-insured” or “fully insured”. Unfortunately, self-insured employers do not NEED to follow state mandates (some choose to do so voluntarily). If fully insured, you need to confirm with your employer/insurer that it is a Maine-based plan.

When will coverage take effect?

You should check or ask your employer or insurer if you have an individual or group plan. If you have a group plan, the new coverage requirements go into effect when your plan is renewed (this date varies plan-to-plan and may not be January 1st). For individual plans, the new requirement is in effect on January 1, 2024.

What is covered?

As of February 2024, the Maine Bureau of Insurance has not issued the final Rule for the fertility insurance law. The Rule outlines more specifics about the coverage. Until these are finalized, insurers are developing interim coverage.