# VT Insurance Bulletin #54: Coverage for Pregnancy and Pregnancy-Related Conditions > Vermont · Agency guidance · In force URL: https://www.frixlaw.com/law-library/statutes/VT_INS_B_54_19810422 ## Section - **Citation:** VT Insurance Bulletin #54 - **Heading:** Coverage for Pregnancy and Pregnancy-Related Conditions - **Jurisdiction:** Vermont - **Kind:** Agency guidance - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Vermont DFR Insurance Bulletins / Coverage for Pregnancy and Pregnancy-Related Conditions ## Text STATE OF VERMONT DEPARTMENT OF BANKING AND INSURANCE MONTPELIER 05602 TEL. 802-828-3301 ORIGINAL DIVISIONS OF: BANKING INSURANCE SECURITIES BULLETIN NO. 54 (Revised) April 22, 1981 RE: COVERAGE FOR PREGNANCY AND PREGNANCY-RELATED CONDITIONS: EMPLOYER-PROVIDED HEALTH BENEFITS The Vermont Attorney General has interpreted 21 V.S.A. § 495 to require that any employer-provided health benefits plan must include benefits for pregnancy and pregnancy-related conditions. This interpretation is in keeping with the directives of Public Law 95-555 (the so-called "Pregnancy Discrimination Act of 1978"), which requires an employer of fifteen or more employees to include coverage for pregnancy in any health benefits plan made available in connection with employment, on the same basis as other medical conditions. The Attorney General has similarly interpreted 21 V.S.A. § 495 to require the same treatment of employer-provided benefits as that directed by Public Law 95-555. Vermont law, as it is interpreted, therefore requires that if health benefits are made available by an employer, those benefits must include provision for pregnancy and pregnancy-related conditions. This applies regardless of who funds the benefits (or who pays the premiums), and irrespective of the number of employees. Accordingly, please be advised that this office expects all insurers doing business in this state to advise its employer/ insureds, when appropriate, as to the requirements of both federal and state law in this area, if they have not already done so. nancy-related conditions. This applies regardless of who funds the benefits (or who pays the premiums), and irrespective of the number of employees. Accordingly, please be advised that this office expects all insurers doing business in this state to advise its employer/ insureds, when appropriate, as to the requirements of both federal and state law in this area, if they have not already done so. Clearly it is the employer who must comply with these requirements and not the insurer. However, in the context of a sale of an insurance policy covering employee benefits, if an insurer should erroneously advise its employer/insured as to the above-described required benefit, and the employer/ insured relies on that incorrect advice and purchases an insurance plan on that basis, it may be grounds for this office to treat this as a sale of an "unsuitable policy" within the meaning of 8 V.S.A. § 4724(16) or as "unfair discrimination" within the meaning of 8 V.S.A. § 4724(7)(A). George A. Chaffee Commissioner ## Nearby sections - [VT Insurance Bulletin #22 Proper Identification by Insurance Producers](https://www.frixlaw.com/law-library/statutes/VT_INS_B_22_19741220.md) - [VT Insurance Bulletin #30 WITHDRAWN - Legal Actions Involving Other Insurance Departments](https://www.frixlaw.com/law-library/statutes/VT_INS_B_30_19750319.md) - [VT Insurance Bulletin #43 Criteria for Company Authorization and Application Procedures](https://www.frixlaw.com/law-library/statutes/VT_INS_B_43_20220620.md) - [VT Insurance Bulletin #51 Consent to Rate](https://www.frixlaw.com/law-library/statutes/VT_INS_B_51_19800616.md) - [VT Insurance Bulletin #54 Coverage for Pregnancy and Pregnancy-Related Conditions](https://www.frixlaw.com/law-library/statutes/VT_INS_B_54_19810422.md) - [VT Insurance Bulletin #55 Safe Driver Insurance Plan Surcharges](https://www.frixlaw.com/law-library/statutes/VT_INS_B_55_19940620.md) - [VT Insurance Bulletin #57 State Cooperation - Prosecution of Federal Medigap Law Violations](https://www.frixlaw.com/law-library/statutes/VT_INS_B_57_19820226.md) - [VT Insurance Bulletin #58 Vermont Purchase and Use Tax - Settlement of Auto Total Loss](https://www.frixlaw.com/law-library/statutes/VT_INS_B_58_19820411.md) - [VT Insurance Bulletin #60 Public Act No. 176 - Coverage/Benefits for the Care and Treatment of Alcohol Dependency](https://www.frixlaw.com/law-library/statutes/VT_INS_B_60_19820712.md) - [VT Insurance Bulletin #61 Group Insurance / Trust Agreements](https://www.frixlaw.com/law-library/statutes/VT_INS_B_61_19820909.md) - [VT Insurance Bulletin #62 Life Policy Loans with Adjustable Interest Rates](https://www.frixlaw.com/law-library/statutes/VT_INS_B_62_19830708.md) - [VT Insurance Bulletin #63 Temporomandibular Joint Disorders](https://www.frixlaw.com/law-library/statutes/VT_INS_B_63_19821220.md) - [VT Insurance Bulletin #69 Standard Non-Forfeiture and Valuation Laws for Life Insurance](https://www.frixlaw.com/law-library/statutes/VT_INS_B_69_19830718.md) - [VT Insurance Bulletin #71 Lienholder Interest Coverage Loss Payable Clause Fraud](https://www.frixlaw.com/law-library/statutes/VT_INS_B_71_19830810.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/VT_INS_B_54_19810422. Check the current official text before relying on it. Not legal advice.