Bill > HR4648

This bill requires health insurance plans that cover obstetrical services to also provide comprehensive coverage for fertility treatments, broadly defined to include a wide range of medical procedures and services such as embryo and gamete preservation, artificial insemination, in vitro fertilization, genetic testing of embryos, fertility medications, and gamete donation. The bill mandates that these fertility treatments be covered without additional cost-sharing or limitations beyond those applied to other medical services, and insurance plans are prohibited from discouraging or penalizing patients or providers for seeking or providing fertility treatments. The legislation applies to various types of health insurance, including group health plans, individual health insurance, federal employee health benefits, TRICARE (military healthcare), veterans' healthcare, and Medicare and Medicaid. Insurance providers must notify participants about these new fertility treatment benefits, and the coverage will be available regardless of whether an individual has been diagnosed with infertility. The bill aims to improve access to fertility treatments by ensuring they are treated as essential healthcare services, with implementation phased in over the next few years, starting as early as January 2026 for some programs.

Business and Industry, Health and Social Services

https://www.congress.gov/bill/119th-congress/house-bill/4648/all-info