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Requires the Department of Defense and TRICARE to cover and coordinate fertility-related care for active-duty service members and their dependents. Coverage includes in-plan fertility services, limits in vitro fertilization (IVF) to up to three completed oocyte retrievals per individual while permitting unlimited embryo transfers consistent with American Society for Reproductive Medicine (ASRM) guidance, and establishes a DoD program to coordinate care and support community providers; changes take effect October 1, 2027.
The bill significantly expands TRICARE fertility benefits and coordination for military families—reducing their costs and improving access—while increasing DoD/taxpayer costs and leaving potential gaps (a three-retrieval cap) and administrative challenges.
Active-duty service members and their dependents will receive TRICARE coverage for fertility diagnosis and treatment, reducing or eliminating out-of-pocket costs for many military families seeking assisted reproduction.
Covered treatment includes up to three completed oocyte retrievals per patient, increasing the realistic chances of conception that are paid for by TRICARE compared with single-cycle limits.
Unlimited embryo transfers consistent with ASRM guidelines allow multiple transfer attempts without additional retrieval cycles, lowering long-term costs and preserving embryos for future attempts.
Taxpayers and the Department of Defense budget will face higher costs to expand TRICARE fertility benefits and to operate the new coordination and training program.
Capping coverage at three oocyte retrievals may leave some patients who need additional cycles facing significant out-of-pocket expenses or delayed family building.
Implementation complexity (eligibility verification, coordination of care, and adherence to ASRM guidelines) could create administrative delays or disputes over coverage determinations.
Introduced April 1, 2025 by Tammy Duckworth · Last progress April 1, 2025