Bill > S2408

This bill requires health insurance plans that cover obstetrical services to also provide comprehensive coverage for fertility treatment, without imposing additional cost-sharing or limitations. The bill defines fertility treatment broadly, including procedures such as embryo preservation, artificial insemination, in vitro fertilization, genetic testing of embryos, fertility medications, gamete donation, and other related services. The coverage applies regardless of whether an individual has been diagnosed with infertility, and health plans are prohibited from discouraging or penalizing patients or providers for seeking or providing fertility treatments. The bill extends these requirements to various federal health programs, including the Federal Employees Health Benefits Program, TRICARE (for military personnel), Veterans Affairs health services, Medicaid, and Medicare, effectively mandating fertility treatment coverage across most major health insurance platforms. The bill also includes provisions preventing discrimination and requiring health plans to provide clear notice to participants about their fertility treatment benefits. Implementation is phased, with most provisions taking effect between 2026 and 2027, and some allowances made for existing collective bargaining agreements and state-level legislative processes.

Health and Social Services

https://www.congress.gov/bill/119th-congress/senate-bill/2408/all-info