Access to Fertility Treatment and Care Act

Mandated Coverage for Fertility Services: Group health plans and insurance issuers must provide coverage for fertility treatments—including artificial inseination, genetic testing of embryos, and gamete donation—if they cover obstetrical services (Section 2).

Cost Protections: The bill prevents insurance companies from imposing cost-sharing, such as deductibles or coinsurance, that exceeds the amounts applied to other medical services (Section 2, subsection d).

Expanded Access for Federal Employees and Military: Federal employees' health benefits and TRICARE programs are required to provide coverage for fertility treatments if they cover obstetrical benefits (Sections 3 and 4).

Support for Veterans: The Secretary is required to furnish fertility treatment services to veterans and their spouses or partners who apply jointly (Section 5).

Medicaid Coverage: State Medicaid plans must include fertility treatment as part of the medical assistance provided (Section 6).

Medicare Benefits: Medicare coverage is expanded to include fertility treatments, with specific rules to ensure payments are made and deductibles do not apply to these services (Section 7).

Implementation Delays for State Plans: Under Section 6, a State plan might not be required to meet these new requirements until after the first regular session of its legislature that ends after a one-year period following the Act's enactment, if state legislation is required to update the plan.

Collective Bargaining Limitations: For group health plans maintained by collective bargaining agreements ratified before the Act's enactment, the new requirements may not apply until the current agreement terminates or for six months after the Act's enactment (Section 2, subsection c).