In vitro fertilization coverage required — Definitions

Ark. Code Ann. § 23-86-118 — under Group and Blanket Accident and Health Insurance.

Ark. Code Ann. § 23-86-118

(a) As used in this section:(1) (A) “Fertility awareness-based methods” means modern, evidence-based methods of tracking the menstrual cycle of a woman through observable biological signs, including without limitation:(i) Body temperature;(ii) Cervical fluid; or(iii) Hormone production in the reproductive system, including luteinizing hormone and estrogen.(B) “Fertility awareness-based methods” includes without limitation:(i) Fertility education and medical management;(ii) The symptothermal method;(iii) The Creighton Model FertilityCare System; or(iv) The Billings Ovulation Method;(2) “Fertility education and medical management” means a program developed in collaboration with the Reproductive Health Research Institute for medical research, protocols, and medical training for healthcare professionals in order to enable the clinical application of research advances in reproductive endocrinology by providing education for a woman about her body and hormonal health and medical support, as appropriate;(3) “Natural procreative technology” means an approach to healthcare services that monitors and maintains a woman's reproductive and gynecological health, including without limitation laparoscopic gynecologic surgery to reconstruct the uterus, fallopian tubes, ovaries, and other organ structures, to eliminate endometriosis and other reproductive health conditions; and(4) (A) “Restorative reproductive medicine” means any scientific approach to reproductive medicine that seeks to cooperate with or restore the normal physiology and anatomy of the human reproductive system without the use of methods that are suppressive, circumventive, or destructive to natural human functions.(B) “Restorative reproductive medicine” includes without limitation:(i) An ultrasound;(ii) A blood test;(iii) A hormone panel test;(iv) A laparoscopic or exploratory surgery;(v) An examination of a patient's overall health and lifestyle;(vi) Eliminating environmental endocrine disruptors;(vii) Assessing the health and fertility of a patient's partner;(viii) Natural procreative technology;(ix) Fertility awareness-based methods; or(x) Fertility education and medical management.

(1) (A) “Fertility awareness-based methods” means modern, evidence-based methods of tracking the menstrual cycle of a woman through observable biological signs, including without limitation:(i) Body temperature;(ii) Cervical fluid; or(iii) Hormone production in the reproductive system, including luteinizing hormone and estrogen.(B) “Fertility awareness-based methods” includes without limitation:(i) Fertility education and medical management;(ii) The symptothermal method;(iii) The Creighton Model FertilityCare System; or(iv) The Billings Ovulation Method;

(A) “Fertility awareness-based methods” means modern, evidence-based methods of tracking the menstrual cycle of a woman through observable biological signs, including without limitation:(i) Body temperature;(ii) Cervical fluid; or(iii) Hormone production in the reproductive system, including luteinizing hormone and estrogen.

(i) Body temperature;

(ii) Cervical fluid; or

(iii) Hormone production in the reproductive system, including luteinizing hormone and estrogen.

(B) “Fertility awareness-based methods” includes without limitation:(i) Fertility education and medical management;(ii) The symptothermal method;(iii) The Creighton Model FertilityCare System; or(iv) The Billings Ovulation Method;

(i) Fertility education and medical management;

(ii) The symptothermal method;

(iii) The Creighton Model FertilityCare System; or

(iv) The Billings Ovulation Method;

(2) “Fertility education and medical management” means a program developed in collaboration with the Reproductive Health Research Institute for medical research, protocols, and medical training for healthcare professionals in order to enable the clinical application of research advances in reproductive endocrinology by providing education for a woman about her body and hormonal health and medical support, as appropriate;

(3) “Natural procreative technology” means an approach to healthcare services that monitors and maintains a woman's reproductive and gynecological health, including without limitation laparoscopic gynecologic surgery to reconstruct the uterus, fallopian tubes, ovaries, and other organ structures, to eliminate endometriosis and other reproductive health conditions; and

(4) (A) “Restorative reproductive medicine” means any scientific approach to reproductive medicine that seeks to cooperate with or restore the normal physiology and anatomy of the human reproductive system without the use of methods that are suppressive, circumventive, or destructive to natural human functions.(B) “Restorative reproductive medicine” includes without limitation:(i) An ultrasound;(ii) A blood test;(iii) A hormone panel test;(iv) A laparoscopic or exploratory surgery;(v) An examination of a patient's overall health and lifestyle;(vi) Eliminating environmental endocrine disruptors;(vii) Assessing the health and fertility of a patient's partner;(viii) Natural procreative technology;(ix) Fertility awareness-based methods; or(x) Fertility education and medical management.

(A) “Restorative reproductive medicine” means any scientific approach to reproductive medicine that seeks to cooperate with or restore the normal physiology and anatomy of the human reproductive system without the use of methods that are suppressive, circumventive, or destructive to natural human functions.

(B) “Restorative reproductive medicine” includes without limitation:(i) An ultrasound;(ii) A blood test;(iii) A hormone panel test;(iv) A laparoscopic or exploratory surgery;(v) An examination of a patient's overall health and lifestyle;(vi) Eliminating environmental endocrine disruptors;(vii) Assessing the health and fertility of a patient's partner;(viii) Natural procreative technology;(ix) Fertility awareness-based methods; or(x) Fertility education and medical management.

(i) An ultrasound;

(ii) A blood test;

(iii) A hormone panel test;

(iv) A laparoscopic or exploratory surgery;

(v) An examination of a patient's overall health and lifestyle;

(vi) Eliminating environmental endocrine disruptors;

(vii) Assessing the health and fertility of a patient's partner;

(viii) Natural procreative technology;

(ix) Fertility awareness-based methods; or

(x) Fertility education and medical management.

(b) An accident and health insurance company doing business in this state shall include, as a covered expense, in vitro fertilization and restorative reproductive medicine.

(c) Under the Arkansas Insurance Code, the Insurance Commissioner may suspend or revoke the certificate of authority of any insurance company failing to comply with this section.

(d) After conducting appropriate studies and public hearings, the commissioner shall establish minimum and maximum levels of coverage to be provided by an accident and health insurance company.

(e) Coverage required under this section shall include services performed at:(1) A medical facility licensed or certified by the Department of Health;(2) A facility certified by the department that conforms to the American College of Obstetricians and Gynecologists guidelines for in vitro fertilization clinics;(3) A facility certified by the department that meets the American Society for Reproductive Medicine minimal standards for programs of in vitro fertilization; or(4) A facility certified by the department that meets the guidelines and standards of the Institute of Restorative Reproductive Medicine of America for programs of restorative reproductive medicine.

(1) A medical facility licensed or certified by the Department of Health;

(2) A facility certified by the department that conforms to the American College of Obstetricians and Gynecologists guidelines for in vitro fertilization clinics;

(3) A facility certified by the department that meets the American Society for Reproductive Medicine minimal standards for programs of in vitro fertilization; or

(4) A facility certified by the department that meets the guidelines and standards of the Institute of Restorative Reproductive Medicine of America for programs of restorative reproductive medicine.