Bill > SB0463

This bill, known as the "Freedom to Grow Our Tennessee Families Act," requires health insurers in Tennessee to provide comprehensive fertility-related healthcare coverage starting January 1, 2026. The legislation mandates that health insurance plans cover fertility diagnostic care, fertility treatment, and fertility preservation services without discrimination based on race, color, sex, disability, ancestry, or relationship status. Specifically, the bill requires insurers to provide coverage for at least three complete egg retrievals with unlimited embryo transfers, and ensure coverage for fertility preservation services for individuals with medical conditions like cancer, sickle cell disease, lupus, and other specified conditions. The coverage must be provided without waiting periods or limitations based on prior diagnoses, and must follow clinical guidelines from the American Society for Reproductive Medicine. The bill defines key terms such as "fertility patient" and "infertility" and allows for the use of donor gametes, donor embryos, and surrogacy. Insurers are not required to cover experimental fertility procedures or nonmedical costs related to donation or surrogacy. Additionally, the bill includes a provision for transitional childcare assistance for caretaker relatives and expands fertility care options under existing state programs.

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https://wapp.capitol.tn.gov/apps/Billinfo/default.aspx?BillNumber=SB0463&ga=114