Montana
What is the mandate type for Montana?
For Montana, mandate type is mandate to cover; ivf covered is limited; cycle or retrieval limit is not stated; lifetime dollar cap is not stated; age restriction is not stated, recorded from its source on 2026-08-17; source re-checked 2026-09-29.
Montana fertility insurance offers some vague help as long as you get your insurance through an HMO (Health Maintenance Organization, a type of health insurance plan known for lower costs and a focus on preventive care). But unfortunately, there’s no definition of infertility that’s given in the law and no description of the type of services that need to be covered. So, it appears to pay only lip service here. Anyone with non-HMO insurance has absolutely no coverage and self-insured employers and religious employers are exempt. As of 2024, Montana requires most individual and group health insurance policies to cover medically necessary fertility preservation services when an insured person is diagnosed with cancer and treatment may cause iatrogenic infertility (infertility caused by medical treatments such as surgery, radiation, or chemotherapy).
— cofertility.com, retrieved 2026-08-17
- State
- Montana verified
- Mandate type
- mandate to cover our reading
- IVF covered
- limited our reading
- Cycle or retrieval limit
- not stated
- Lifetime dollar cap
- not stated
- Age restriction
- not stated
- Employer size threshold
- not stated
- Self-insured plans exempt
- self-insured employers and religious employers are exempt our reading
- Religious employer exempt
- self-insured employers and religious employers are exempt our reading
- Prior treatment required
- not stated our reading
- Effective date
- As of 2024 verified
- Statute citation
- not stated
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
Source
- cofertility.comhttps://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up