The Right to IVF Act consists of several sections designed to enhance access to fertility treatments and related services. It covers fertility treatment rights, support for veteran families, standards for state Medicaid plans, and more, aiming to improve access to family-building services and ensure fair treatment coverage.

If any part of this law is found to be unconstitutional, the rest of the law will still remain in effect. This ensures that if one part can't be applied, the rest can still work as intended.

The section described allows the title to be known as the “Access to Family Building Act.”

The section outlines the purposes of a bill aimed at ensuring patients can access fertility treatments without excessive state restrictions, promoting the right to receive care that follows accepted medical standards, and safeguarding individuals' rights to make decisions about their fertility treatments with their healthcare providers.

The section defines key terms related to fertility treatments, including what constitutes fertility treatments, who qualifies as a health care provider, and the meaning of health insurance issuer and manufacturer. It explains that a "State" includes all US states and territories, and describes what "widely accepted and evidence-based medical standards of care" entail.

This section guarantees individuals the right to receive fertility treatments, allows health care providers to offer these services while adhering to medical standards, and permits health insurance companies to cover these services. It also enables manufacturers to provide the necessary drugs and devices for treatments. It further outlines that state regulations cannot interfere with these rights if they do not align with accepted medical standards and provides for legal actions if these rights are impeded.

This section outlines how this title of the Act overrides any conflicting state laws, except when it comes to certain disputes and fertility treatment standards. It also clarifies that it does not affect existing federal health laws or privacy regulations, and can be used as a defense if someone sues based on the law.

The section is titled as the “Veteran Families Health Services Act,” which means that's the official name given to this part of the bill.

The section provides definitions for terms used in the subtitle, specifying that "active duty" and "uniformed services" are defined by references to specific sections of the United States Code, which are sets of federal laws.

The bill section mandates that the Secretary of Defense offer fertility treatments and counseling to service members and their partners, regardless of gender or marital status, with options including in vitro fertilization and using donated genetic material if necessary. It also clarifies that this does not impose a duty on the Secretary to find surrogates or genetic material donors, and it defines key terms related to fertility treatments and surrogacy.

The bill section mandates that the Department of Defense create procedures for collecting reproductive materials like eggs and sperm from service members whose fertility might be at risk due to injury or illness while on duty. It also requires these procedures to be addressed in military legal documents and outlines how this material should be handled if the service member can no longer consent.

The Secretary of Defense is required to offer active-duty military members the option to freeze and store their reproductive genetic material for free before they are deployed to combat zones or hazardous duty assignments. This stored material will be maintained at no cost until one year after they leave the service, after which they can choose to either continue paying for storage themselves, transfer it to another facility, or have it disposed of if they do not make a selection.

The section requires the Secretary of Defense to ensure that Department of Defense employees help uniformed services members with accessing and maintaining care related to reproductive and fertility preservation services. This includes helping them understand the available services, find suitable providers, and continue receiving care without interruption when they move to a new station.

The section describes an agreement between the Department of Defense and the Department of Veterans Affairs to share best practices and coordinate fertility treatments and counseling for eligible individuals. It includes an understanding that allows access to reproductive materials stored by the Department of Defense and enables the Department of Veterans Affairs to pay for related storage services.

The Secretary of Defense must establish regulations to put this part of the law into effect within two years of the law being passed.

The bill section adds fertility treatment and counseling to the list of medical services covered under title 38 of the United States Code. This means fertility services will be recognized as medical care for veterans.

The section outlines new provisions for the Department of Veterans Affairs to provide fertility treatment and counseling to eligible veterans, their spouses, partners, and gestational surrogates, covering various treatments and procedures, including in vitro fertilization, and ensuring informed consent and copayment arrangements. It also specifies the Department's role in handling reproductive genetic material, emphasizing the responsibilities of veterans and private facilities, and includes outreach and training programs for awareness.

The section requires the Secretary to provide fertility treatments and counseling to eligible veterans and their partners, including in vitro fertilization, with informed consent and regardless of personal characteristics. It also covers the use of donated reproductive material, addresses costs and consent agreements for donations, and outlines the Secretary's role and limitations in managing reproductive genetic materials and related disputes. Additionally, it emphasizes outreach and training to make veterans and healthcare providers aware of these services.

The Secretary of Veterans Affairs must help veterans by guiding them through reproductive and fertility preservation services, finding suitable service providers, and ensuring that their care continues smoothly even if they relocate.

The bill section requires the Secretary of Veterans Affairs to work with the Secretaries of Defense and Health and Human Services to research ways to improve reproductive health care for veterans with conditions affecting their ability to have children. Additionally, it requires that useful information from this research be shared within the Department of Veterans Affairs.

The section requires the Secretary of Veterans Affairs to work with the Secretaries of Defense and Health and Human Services to research and improve reproductive health care for veterans with conditions affecting their reproductive abilities. It also mandates that any useful information from this research be shared throughout the Department of Veterans Affairs.

This section names the act as the "Access to Fertility Treatment and Care Act."

The bill section establishes standards requiring health insurance plans that offer obstetrical services to also cover fertility treatments. This includes procedures like in vitro fertilization and artificial insemination, with protections against discrimination and cost-sharing limitations, ensuring individuals have access to these services without extra financial burdens.

A group health plan or health insurance offering coverage for obstetrical services is required to also cover fertility treatments such as egg and sperm preservation, artificial insemination, and other assisted reproductive technologies. This coverage cannot impose different or higher costs on fertility treatments compared to other medical services, and providers cannot discourage treatment or discriminate against individuals seeking fertility treatment. Notice of these coverage requirements must be given to all participants, and plans can negotiate reimbursement rates for these services.

Group health plans that cover childbirth must also cover fertility treatments as determined appropriate by a healthcare provider, without applying additional cost-sharing limits beyond those for other medical services. Insurers cannot give incentives to avoid these treatments and must inform participants of their rights regarding coverage, with several protections against discrimination also in place.

A group health plan that offers obstetrical services must also cover fertility treatments, regardless of a formal infertility diagnosis, as long as they are appropriate according to healthcare providers and comply with federal standards. The plan cannot impose higher cost-sharing for these services than it does for other medical services, offer incentives to avoid such treatments, or discriminate based on various civil rights laws, and must inform participants about fertility treatment coverage starting January 1, 2026.

The section requires state Medicaid plans to cover fertility treatment as part of family planning services by October 1, 2025, unless state legislation is needed for compliance, in which case there might be a delay. It aligns state Medicaid fertility treatment coverage with specific requirements of the Public Health Service Act.

This section of the bill amends the Social Security Act to include coverage for fertility treatments under Medicare, ensuring that these treatments are paid at 100% without coinsurance or deductibles. These changes will take effect starting January 1, 2025.

The section gives a short name to the title, which is referred to as the “Family Building FEHB Fairness Act.”

The section amends Title 5 of the United States Code to include fertility treatment benefits under federal employee health plans. It defines fertility treatment to cover a range of services like preserving reproductive material, artificial insemination, assisted reproductive technology, genetic testing of embryos, and applicable medications, becoming effective one year after the law's enactment.