Access to Fertility Treatment and Care Act
Summary
The Access to Fertility Treatment and Care Act aims to mandate health insurance plans to provide coverage for fertility treatment if they already cover obstetrical services. This includes procedures like in vitro fertilization, artificial insemination, genetic testing of embryos, and gamete donation. The bill amends the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to enforce these coverage requirements.
Expected Effects
If enacted, the bill would expand access to fertility treatments for individuals with health insurance, including federal employees, veterans, and those covered by state Medicaid plans. It also includes provisions to prevent discrimination and ensure that cost-sharing for fertility treatment does not exceed that of other medical services. The bill also addresses coverage under TRICARE and Medicare.
Potential Benefits
- Increased access to fertility treatments for insured individuals.
- Reduced financial burden for families seeking fertility assistance.
- Standardized coverage across different types of health insurance plans.
- Prohibition of discriminatory practices related to fertility treatment.
- Improved family planning options for veterans and federal employees.
Potential Disadvantages
- Potential increase in health insurance premiums for all subscribers.
- Possible strain on healthcare resources and medical facilities.
- Potential for ethical concerns related to certain fertility treatments.
- Increased government regulation of health insurance plans.
- Possible legal challenges related to religious freedom or conscience clauses for some employers.
Most Disadvantaged Areas:
Constitutional Alignment
The bill's alignment with the Constitution is primarily based on the Commerce Clause (Article I, Section 8), which grants Congress the power to regulate interstate commerce, including health insurance. The expansion of healthcare access could also be argued to promote the general welfare, as mentioned in the Preamble. However, potential challenges could arise under the First Amendment if religious organizations object to providing certain fertility treatments.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).