Caring for Grieving Families Act of 2025

This bill requires health plans and insurance to cover prenatal services (like ultrasounds and doctor visits) without additional out-of-pocket costs if a miscarriage or stillbirth occurs before a birth-related bundled payment is made. It directly affects families who experience pregnancy loss, preventing them from being charged extra deductibles, copays, or coinsurance for prenatal care received prior to the loss. The key provision states that cost-sharing for these prenatal services cannot exceed what would have applied if the birth had occurred normally. The rule applies to plans covering bundled birth payments and takes effect for plan years starting January 1, 2027.