Sponsors (27)
The bill meaningfully expands fertility diagnosis and treatment access for active-duty service members and their dependents and improves DoD care coordination, but it leaves veterans out, preserves TRICARE cost-sharing that can create substantial out-of-pocket costs, and imposes clinical restrictions and limits that may reduce options and success for some 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), expanding access to reproductive care for military families.
Beneficiaries diagnosed with medical infertility get faster access to care because coverage applies without additional fertility-specific waiting periods after diagnosis.
The bill creates DoD care coordination and provider-training efforts and establishes standardized limits (e.g., single-embryo-transfer policy) that can reduce multiple-birth risks and improve the timeliness and consistency of military-informed fertility care from community providers.
TRICARE cost‑sharing rules continue to apply, so many service members and dependents may still face 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, leaving recently separated personnel and veterans without the same fertility benefits.
Clinical restrictions and limits in the bill—such as bans on certain technologies (e.g., preimplantation genetic screening, international surrogacy), an annual cap of three oocyte retrievals, and a mandated single-embryo-transfer policy—could limit treatment options, reduce chances of success for some patients (e.g., poor ovarian responders), lengthen time to pregnancy, and raise cumulative costs/
Based on analysis of 2 sections of legislative text.
Requires TRICARE to cover defined fertility care (including IVF with limits) for active-duty members and dependents and creates DoD care coordination and provider training.
Introduced December 17, 2025 by Sara Jacobs · Last progress December 17, 2025
Requires the Department of Defense to cover fertility-related medical care for active-duty service members and their dependents under TRICARE Prime and TRICARE Select, including defined fertility treatments such as IVF, egg/sperm retrieval and preservation, artificial insemination, related medications, and care coordination. Sets clinical limits (up to three oocyte retrievals per year, single embryo transfer unless medically indicated), bars certain procedures (preimplantation genetic screening, human cloning, international surrogacy, artificial wombs), and requires a DoD fertility care coordination and provider training program. Coverage and cost-sharing follow existing TRICARE rules and the changes take effect for services on or after October 1, 2027.