This bill requires health insurance plans to cover infertility treatments and fertility preservation services. Specifically, any group health plan or individual health insurance that covers childbirth and obstetrical services must also cover treatments for infertility, including assisted reproductive technologies like in vitro fertilization, as well as fertility preservation procedures for people undergoing medical treatments like chemotherapy that could harm their ability to have children. The bill applies to employer-sponsored health plans, federal employee health benefits, military TRICARE coverage, and state Medicaid programs. Insurance plans cannot impose higher costs or copayments for infertility treatment than for similar services, cannot discourage people from pursuing these treatments through financial incentives, and must inform enrollees of their coverage rights. Most private insurance rules take effect six months after the law is enacted, while Medicaid coverage requirements begin October 1, 2024, and the Department of Veterans Affairs has 18 months to establish regulations for providing these services to veterans and their spouses or partners.
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