For California residents, a new law has expanded access to fertility care throughout the state. At HRC Fertility, we’re here to help you navigate how expanded infertility medicine coverage may mean new family building options depending on your insurance plan. Let us help you review your insurance options to see if you qualify, and what expanded insurance coverage may mean for your fertility journey.

Formerly known as SB 729, the new law is effective as of January 1st, 2026, and introduces fertility care mandates for many insurance plans offered within California. Depending on your insurance plan, fertility care coverage may differ.

For large group health plans (typically with over 100+ employees), the law mandates coverage for the diagnosis and treatment of infertility as well as associated fertility services.

For small group plans (typically under 100 employees), the law requires plans to offer at least one infertility coverage option as an optional add-on benefit.

Some exceptions to coverage mandates apply. Self-funded Employee Retirement Income Security Act (ERISA) plans, religious organizations, Medi-Cal, Medicare, and California Public Employees’ Retirement System (CalPERS) plans will not be required to offer infertility services coverage until 2027.

Under the new law, qualifying insurance plans are required to cover comprehensive infertility care, including the following:

• The diagnosis and treatment of infertility, including associated costs such as medications
• IVF and fertility preservation procedures
• Three completed egg retrievals per lifetime
• Unlimited embryo transfers per patient

In addition to expanding insurance fertility care coverages, the new law also expands the definition of infertility to include same-sex couples and LGBTQ+ individuals. At HRC Fertility, we are proud to support family-building options and innovations for the LGBTQ+ community.

We offer various fertility procedures, from in vitro fertilization (IVF) for LGBTQ+ couples to IUI (intrauterine insemination) so that anyone can have the opportunity to be a parent.

At HRC Fertility, we work with a wide range of insurance carriers to provide access to fertility treatments and IVF coverage. Our financial coordinators are skilled in reviewing insurance policies for fertility treatments, explaining your options, and coordinating with you and your insurance carrier to verify your benefits.

We are proud to be in-network with several major carriers, including:

• Aetna
• Anthem Blue Cross
• Blue Shield of California
• Health Net of California
• Humana
• Kaiser Permanente
• Multiplan
• Tricare/TriWest
• United Healthcare

Additionally, we partner with several fertility specific insurance providers, including:

• Carrot Fertility
• Maven Clinic
• Progyny
• WINFertility

Please note: Coverage and network participation may vary by location and provider. Our insurance verification and financial counseling teams are happy to assist you in understanding your benefits during your initial consultation.

We are committed to helping you understand what your newly expanded insurance options mean for your fertility journey. Contact us today by calling 1.866.472.4483 to schedule your consultation and learn more about your fertility medical insurance and coverage options.