Insurance, Health, Accident - As introduced, enacts the "Freedom to Grow Our Tennessee Families Act." - Amends TCA Title 56 and Title 71.

SB 463, the "Freedom to Grow Our Tennessee Families Act," requires health insurance plans in Tennessee to cover fertility diagnostic care, fertility treatment, and fertility preservation services starting January 1, 2026. It mandates coverage for up to three complete oocyte retrievals with unlimited embryo transfers (per medical guidelines) and prohibits exclusions based on medical history (like cancer treatment), use of donor gametes, or protected characteristics like race or disability. The bill explicitly excludes coverage for "experimental fertility procedures" as defined by medical standards. This directly affects enrollees with fertility needs, ensuring comprehensive coverage under their health insurance plans.