Sponsors (27)
Requires TRICARE to cover fertility-related care (including IVF with limits) for active-duty members and dependents, effective Oct 1, 2027.
Official title: To amend title 10, United States Code, to provide fertility treatment under the TRICARE Program.
Introduced December 17, 2025 by Sara Jacobs · Last progress December 17, 2025
The bill substantially expands and speeds access to fertility diagnosis and treatments for active-duty service members and their dependents while standardizing safer practices and building DoD provider capacity, but it leaves veterans out, preserves potentially significant out-of-pocket costs, and imposes limits and prohibitions that restrict some reproductive options and may reduce success for certain patients.
Active-duty service members and their dependents gain TRICARE coverage for fertility diagnosis and a broad set of fertility treatments (including IVF and gamete preservation) with no additional fertility-specific waiting periods, enabling faster access to care.
Active-duty beneficiaries benefit from standardized clinical limits (a single-embryo transfer policy aligned with ASRM exceptions and a cap on oocyte retrievals) that reduce the risk of multiple births and create consistent care expectations across TRICARE providers.
Military patients and community providers will gain a DoD care coordination and provider-training program to improve timely, military-informed fertility care and expand community provider capacity.
TRICARE beneficiaries still face existing TRICARE cost-sharing rules, meaning many military families may incur significant out-of-pocket costs for fertility treatments depending on their plan copayments and deductibles.
Former service members and veterans are excluded from this coverage expansion, leaving recently separated personnel and veterans without the new fertility benefits.
Prohibitions on preimplantation genetic screening and international surrogacy remove important clinical and third-party reproduction options for patients who need genetic testing or cannot carry a pregnancy themselves.
Based on analysis of 2 sections of legislative text.
Requires the Department of Defense to add fertility-related care to TRICARE Prime and TRICARE Select for active-duty service members and their dependents, including a defined set of treatments such as IVF, egg/sperm retrieval and preservation, artificial insemination, and related services. Limits IVF to three completed oocyte retrievals per calendar year, generally requires single embryo transfers except when medically indicated, prohibits funding for certain technologies (preimplantation genetic screening, human cloning, international surrogacy, artificial wombs), and creates a DoD care coordination and provider training program; benefits apply to services on or after October 1, 2027.