This bill requires health insurance plans to cover infertility treatment and fertility preservation services. Specifically, any group health plan or individual health insurance that covers pregnancy and childbirth services must also cover infertility treatments including in vitro fertilization, egg retrieval, artificial insemination, and genetic screening, as well as fertility preservation services for people undergoing medical treatments like chemotherapy that may cause infertility. The bill defines infertility as either the failure to become pregnant after 12 months of unprotected intercourse or a medical determination of reproductive incapacity. The coverage applies to both private insurance plans and federal programs including TRICARE for military families, the Federal Employees Health Benefits Program, and the Veterans Health Administration. The bill also requires state Medicaid programs to provide these same infertility treatments at no cost to beneficiaries. Insurance companies cannot charge higher out-of-pocket costs for infertility treatment than for similar services, cannot discourage people from using these services, and must inform patients about available coverage. The requirements take effect six months after the bill becomes law, with an October 1, 2024 deadline for state Medicaid programs to comply.
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