Access to Fertility Treatment and Care Act

This bill would require health insurance plans that cover obstetrical services to also cover fertility treatment, including procedures like in vitro fertilization, artificial insemination, embryo preservation, and related medications. It applies to private insurance plans, federal employee health benefits, TRICARE, VA benefits, Medicaid programs, and Medicare. The law mandates coverage regardless of whether a patient has been diagnosed with infertility, prohibits cost-sharing exceeding what's applied to other medical services, and requires plans to provide clear notice about the coverage to participants. The goal is to make fertility treatment more accessible and affordable for people who need it.