Bill > HB0595

This bill, known as the "Freedom to Grow Our Tennessee Families Act," requires health insurers in Tennessee to provide comprehensive fertility-related coverage starting January 1, 2026. The legislation mandates that health benefit plans cover fertility diagnostic care, fertility treatment, and fertility preservation services, including at least three complete egg retrievals with unlimited embryo transfers. The bill defines key terms such as infertility (inability to establish or carry a pregnancy after 12 months of unprotected intercourse) and establishes important protections for patients, including prohibiting insurers from imposing waiting periods, using prior diagnoses to limit coverage, or discriminating based on race, disability, or relationship status. Insurers cannot exclude coverage based on the use of donor gametes, embryos, or surrogacy, and must provide services for patients with conditions like cancer, sickle cell disease, and endometriosis. The bill also requires that clinical guidelines for fertility services be based on current recommendations from the American Society for Reproductive Medicine and be made available to patients. Additionally, the bill includes a provision extending transitional childcare assistance for caretaker relatives and appears to expand fertility care options under state assistance programs. The legislation aims to make fertility treatments more accessible and equitable for Tennessee residents.

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https://wapp.capitol.tn.gov/apps/Billinfo/default.aspx?BillNumber=HB0595&ga=114