IVF Insurance Coverage in California

What the law covers

California's fertility coverage landscape changed significantly with SB 729 (effective July 2024), which requires large group health plans to cover IVF and fertility preservation. Prior to this, California only required coverage of infertility diagnosis and treatment but specifically excluded IVF. The new law brings California in line with the most comprehensive mandate states.

Key Provisions

• Large group plans must cover IVF (effective July 2024)
• Covers fertility preservation for patients undergoing treatments that may cause infertility
• Diagnosis and treatment of infertility are covered
• Applies to patients who are unable to reproduce through non-assisted methods

Limitations & Exclusions

• Small group and individual plans may have different requirements
• Religious employers may be exempt
• Lifetime limits may apply depending on plan

Official Resources

• California Department of Insurance - SB 729
• RESOLVE: California Insurance Coverage