IVF for Military Families Act

Key Points

• This bill would require TRICARE, the military health insurance program, to cover fertility treatments including IVF for active duty service members and their dependents. Currently, most fertility services are excluded or severely limited under TRICARE.
• IVF coverage would allow up to three completed egg retrievals and unlimited embryo transfers, following guidelines set by the American Society for Reproductive Medicine.
• The bill uses a broad definition of infertility that covers people who cannot conceive naturally, single individuals who need medical help to reproduce, and those diagnosed by a physician based on medical history or testing.
• Covered fertility treatments go well beyond IVF to include artificial insemination, egg and sperm retrieval, preservation of eggs, embryos, or sperm, fertility medications, and other services the Secretary of Defense deems appropriate.
• The Department of Defense would be required to create a fertility care coordination program, including training for community health providers on the unique needs of military families.
• If enacted, these new benefits would not begin until October 1, 2027, giving the military health system time to build the necessary infrastructure and provider networks.