HARRY HUGHES, Governor                                      1997

THE SAME EXTENT AS BENEFITS PROVIDED FOR OTHER PREGNANCY-RELATED
PROCEDURES;

(2) THE PATIENT IS A POLICYHOLDER OR COVERED
DEPENDENT OF THE POLICYHOLDER;

(3) THE PATIENT'S OOCYTES ARE FERTILIZED WITH THE
PATIENT'S SPOUSE'S SPERM;

(4) (I) THE PATIENT AND THE PATIENT'S SPOUSE HAVE A
HISTORY OF INFERTILITY OF AT LEAST 5 YEARS' DURATION; OR

(II) THE INFERTILITY IS ASSOCIATED WITH 1 OR
MORE OF THE FOLLOWING MEDICAL CONDITIONS:

1. ENDOMETRIOSIS;

2. EXPOSURE IN UTERO TO

DIETHYLSTILBESTROL, COMMONLY KNOWN AS PES; OR

3. BLOCKAGE OF, OR SURGICAL REMOVAL OF, 1
OR BOTH FALLOPIAN TUBES (LATERAL OR BILATERAL SALPINGECTOMY);

(5) THE PATIENT HAS BEEN UNABLE TO ATTAIN A
SUCCESSFUL PREGNANCY THROUGH ANY LESS COSTLY APPLICABLE
INFERTILITY TREATMENTS FOR WHICH COVERAGE IS AVAILABLE UNDER THE
POLICY; AND

(6) THE IN VITRO FERTILIZATION PROCEDURES ARE
PERFORMED AT MEDICAL FACILITIES THAT CONFORM TO THE AMERICAN
COLLEGE OF OBSTETRIC AND GYNECOLOGY GUIDELINES FOR IN VITRO
FERTILIZATION CLINICS OR TO THE AMERICAN FERTILITY SOCIETY
MINIMAL STANDARDS FOR PROGRAMS OF IN VITRO FERTILIZATION.

477CC.

EACH GROUP OR BLANKET HEALTH INSURANCE POLICY ISSUED OR
DELIVERED WITHIN THE STATE ON AN EXPENSE INCURRED BASIS SHALL
INCLUDE BENEFITS FOR INPATIENT OR OUTPATIENT EXPENSES ARISING

FROM IN VITRO FERTILIZATION PROCEDURES PERFORMED ON THE

CERTIFICATE HOLDER OR THE CERTIFICATE HOLDER'S DEPENDENT SPOUSE.

EVERY GROUP OR BLANKET HEALTH INSURANCE POLICY DELIVERED OR
ISSUED FOR DELIVERY IN THIS STATE ON AN EXPENSE INCURRED BASIS
UNDER WHICH MATERNITY BENEFITS ARE PROVIDED OR EXPENSES ARISING
FROM PREGNANCY AND CHILDBIRTH SHALL PROVIDE BENEFITS FOR EXPENSES
ARISING FROM IN VITRO FERTILIZATION PROCEDURES PERFORMED ON:

(1) ANY COVERED EMPLOYEE OR COVERED MEMBER; OR

(2) ANY DEPENDENT SPOUSE OF A COVERED EMPLOYEE OR
COVERED MEMBER IF THE POLICY OTHERWISE COVERS THE DEPENDENT
SPOUSE.

EACH GROUP OR BLANKET HEALTH INSURANCE POLICY ISSUED OR