Bill · S. 2408· Senate(119-S-2408)
Access to Fertility Treatment and Care Act
- Introduced
- 7/23/2025
- Last activity
- 7/23/2025 — Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
- Sponsored by
- Cory Booker
- Cosponsors
- - 6 - 0
- Introduced
- In Committee
What this bill would do
The "Access to Fertility Treatment and Care Act" aims to ensure coverage for fertility treatment under various health insurance plans. It amends the Public Health Service Act, the Employee Retirement Income Security Act, and the Internal Revenue Code to require group health plans and health insurance issuers to provide coverage for fertility treatment if they cover obstetrical services. The bill also extends fertility treatment coverage to federal employees, veterans, and those covered by TRICARE and Medicaid. It defines fertility treatment to include procedures like oocyte preservation, artificial insemination, in vitro fertilization, genetic testing of embryos, and gamete donation. The bill includes provisions related to cost-sharing limitations, prohibitions on incentives against seeking fertility treatment, and notice requirements for beneficiaries.
Yes· 3 of 29
Would women be better off under this?+8
The bill directly benefits women by improving access to fertility treatments and reproductive care.
Would households on low incomes be better off under this?+7
The bill ensures Medicaid covers fertility treatments, making it accessible for low-income households.
Would veterans be better off under this, taking everything together?+7
The bill provides comprehensive fertility benefits for veterans and their spouses or partners.
The opposite· 3 of 5
Does this lower what people pay for private health insurance?-2
Requiring coverage for fertility treatment could potentially increase private insurance premiums.
Does this reduce what the federal government owes?-2
The increased healthcare costs associated with mandated fertility treatment coverage could slightly increase the national debt.
Would business owners be better off under this?-1
Business owners could see increased healthcare costs due to mandated coverage.
Who it would affect, and how
Potential Positive Impacts for People
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Expanded Access to Fertility Treatment (Sections 2, 3, 4, 5, 6, 7): Requires health insurance plans, including those for federal employees, veterans, TRICARE beneficiaries, and Medicaid recipients, to cover fertility treatment if they cover obstetrical services. This can help individuals and couples who may not have been able to afford it otherwise.
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Comprehensive Definition of Fertility Treatment (Sections 2(a), 3(a), 4(d), 5(b)): Defines fertility treatment broadly to include preservation of eggs/sperm/embryos, artificial insemination, assisted reproductive technology, genetic testing of embryos, medications, gamete donation, and other related services. This comprehensive approach ensures that various aspects of fertility care are potentially covered.
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Cost-Sharing Limitations (Section 2(a)): Limits cost-sharing for fertility treatment to the extent that it does not exceed the cost-sharing applied to other medical services under the health plan. This could make fertility treatment more affordable.
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Protections Against Discouragement of Treatment (Section 2(a)): Prohibits health plans from providing incentives to discourage participants from seeking fertility treatment and from penalizing providers for offering such treatment. This safeguards access to necessary care without external pressures.
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Notice to Beneficiaries (Section 2(a)): Requires health plans to provide notice to participants and beneficiaries regarding the coverage for fertility treatment. This ensures that individuals are aware of their benefits and can make informed decisions.
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Medicare Coverage for Fertility Treatment (Section 7): Amends Section 1861 of the Social Security Act to include fertility treatment as a covered service under Medicare. This expands access to fertility care for Medicare beneficiaries.
Potential Negative Impacts for People
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Increased Premiums: Requiring coverage for fertility treatments might lead to increased health insurance premiums for everyone, even those who do not need or want such treatments. The bill does not mention any provisions to offset such premium increases.
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Collective Bargaining Exception Delay (Section 2(c)(2)): For group health plans maintained under collective bargaining agreements ratified before the enactment of the Act, the changes might not apply until the agreements terminate or six months after enactment, potentially delaying access to fertility treatment for some individuals.
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State Legislation Requirement Delay (Section 6(c)(2)): States requiring legislation to comply with the Medicaid provisions may delay implementation, affecting access to fertility treatment for Medicaid recipients in those states.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Women+8Good For Low Income Households+7Good For Veterans+7Good For Middle Class Households+6Good For Young Adults+6Good For L G B T Q Community+5Good For Men+5Good For Middle Aged+4Good For African Americans+3Good For Asian Americans+3Good For Hispanic Americans+3Good For Native Americans+3Good For White Americans+3Good For High Income Households+2Good For Retirees+2Good For Rural Residents+2Good For Urban Residents+2Good For High Net Worth Individuals+1Good For Seniors+1Good For Union Workers+1Good For Business Owners-1
- Healthcare
- Improves Healthcare Access+7Improves Veterans Healthcare+4Increases Medicaid Funding+2Increases Medicare Funding+2Increases Affordable Care Act Support+1Reduces Private Insurance Premiums-2
- Governance And Ideology
- Increases Federal Power+2Improves Government Transparency+1
- National Security And Foreign Policy
- Improves Veterans Benefits+3
- Economy And Finance
- Improves Consumer Protection+2Reduces National Debt-2Improves Fiscal Responsibility-1Reduces Government Spending-1
- 7/28/2025
- 6 Cosponsors added.
- 7/23/2025
- Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Christopher CoonsDemocrat · Delaware
Tammy DuckworthDemocrat · Illinois
Amy KlobucharDemocrat · Minnesota
Patty MurrayDemocrat · Washington
Charles SchumerDemocrat · New York
Peter WelchDemocrat · Vermont