Caring for Grieving Families Act of 2023

This bill prevents health insurance plans from charging extra out-of-pocket costs for prenatal services when a pregnancy ends in miscarriage or stillbirth before delivery. Specifically, if a plan covers prenatal care as part of a bundled childbirth payment and a loss occurs, the plan cannot require additional deductibles, coinsurance, or copayments for those prenatal services beyond what would have been charged for a full birth. It applies to group and individual health plans covering such bundled payments, effective January 1, 2025. The law directly affects pregnant individuals experiencing pregnancy loss and their health insurance providers.