Sponsors (7)
The bill substantially expands and standardizes insurance coverage for fertility care across federal and state programs—greatly improving access and lowering out-of-pocket costs for many—while shifting significant costs and administrative burdens to insurers, government programs, employers, and taxpayers, with some remaining coverage limits and potential access disruptions.
Millions of people with infertility across private plans, FEHB, TRICARE, VA, Medicaid, and Medicare will gain mandated coverage for fertility treatments (e.g., IVF, gamete preservation, medications), increasing access to reproductive care.
Enrollees in many plans (commercial, FEHB, TRICARE, Medicare) will face no greater cost-sharing for covered fertility services than other comparable medical benefits, substantially reducing out-of-pocket costs.
The bill creates uniform federal definitions, timelines, and notice requirements across federal programs (FEHB, TRICARE, VA, Medicaid transition rules), promoting consistency and clearer expectations for beneficiaries and providers.
Expanding mandated fertility benefits across private plans, Medicare, Medicaid, TRICARE, FEHB, and VA will raise program and insurance costs, likely increasing premiums, federal/state spending, or taxpayer burden.
Plans may narrow networks, require facility standards, or providers may limit participation if payment rates change, which could reduce geographic access—especially in rural areas—and limit provider choice.
New federal mandates and regulatory implementation will create administrative and compliance burdens for small employers, FEHB carriers, DoD/VA, and state Medicaid agencies during transition, potentially raising costs and causing delays.
Based on analysis of 7 sections of legislative text.
Requires plans that cover obstetrical care—including private group, FEHB, DOD, VA, Medicare, and Medicaid—to cover defined fertility treatments with parity in cost‑sharing and nondiscrimination.
Introduced July 23, 2025 by Cory Anthony Booker · Last progress July 23, 2025
Requires health plans and federal programs that already cover obstetrical services to also cover a broad set of fertility treatments (like egg/sperm/embryo preservation, IVF, artificial insemination, fertility medications, gamete donation, and related services) with parity in cost-sharing and nondiscrimination protections. The requirement applies across private group plans (including ERISA-regulated plans), FEHB, Department of Defense plans, VA health care, Medicare Part B, and Medicaid, with staggered effective dates and regulatory and notice duties for agencies and issuers.