Haley Genovese, MD
Reproductive Endocrinologist, MD
IVF Cost in California Just Changed
New law requires insurance plans to cover fertility treatment in 2026. Find out what’s covered, what you may pay, and how to get started.
Request an appointment
Once you complete the form, the team will reach out to you. You can also schedule by phone at 866-762-3140.
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Is IVF Covered by Insurance in California?
Yes—for many patients, the answer is now yes.
California’s new fertility law (SB 729) requires large group health insurance plans to cover infertility treatment, including IVF, for plans issued or renewed starting January 1, 2026.
This is a major shift—because IVF was previously often not covered at all, leaving patients to pay out of pocket.
Understanding IVF Cost—Before vs. After Coverage
Before insurance coverage, IVF typically cost around $20,000–$25,000 per cycle out of pocket.
With the new law:
Many patients will now pay only standard insurance costs (copays, deductibles, coinsurance).
Bottom line:
👉 IVF may now be significantly more affordable—but your exact cost depends on your plan.
What’s Included in Fertility Coverage
Under SB 729, qualifying plans must cover:
- Infertility diagnosis and testing
- IVF (in vitro fertilization)
- Fertility medications
- Up to 3 egg retrieval cycles + unlimited embryo transfers in many cases
The law also:
- Expands eligibility to more individuals and family types
- Removes many of the biggest financial barriers to care
Do You Have Coverage Under the New Law?
You are more likely to be covered if you:
- Have insurance through a large employer (101+ employees)
- Are on a fully insured health plan
Coverage may not apply if you:
- Have a self-funded employer plan
- Work for a smaller employer that hasn’t opted into coverage
👉 This is why checking your specific plan is essential. We can help you do that.
Why Choose RMA For Fertility Care
RMA was ranked as one of "America's Best Fertility Clinics" in Newsweek for 2025 and 2026.
Our team focuses on achieving the best possible outcomes while minimizing stress, delays, and uncertainty.
- Over 25 years of experience in fertility care
- 220,000+ babies born at RMA fertility clinics
- Proven IVF success rates
Fertility Treatments We Provide
Our clinic offers a full spectrum of fertility care, including:
- IVF (In Vitro Fertilization)
- IUI (Intrauterine Insemination)
- Ovulation induction and cycle monitoring
- Egg freezing and fertility preservation
- Fertility testing and diagnostics
- Advanced laboratory and embryo technologies
All treatments are guided by board‑certified reproductive endocrinologists and tailored to your specific diagnosis and goals.
RMA California Locations
RMA offers in-person appoints at one of our 9 fertility clinic locations across California. We also offer telehealth appointments.
- Burbank, CA
- Danville, CA
- Laguna Hills, CA
- Los Angeles, CA
- Newport Beach, CA
- Palo Alto, CA
- San Diego, CA
- San Francisco, CA
Meet your fertility doctors
We have 100+ reproductive endocrinologists committed to your fertility journey.
Sanaz Ghazal, MD
Reproductive Endocrinologist, MD
Marcus Rosencrantz, MD
Reproductive Endocrinologist, MD
Thomas Kim, MD, HCLD/MT(AAB)
Reproductive Endocrinologist, MD
Frequently Asked Questions About Fertility Testing
Will IVF be free in California?
No—insurance typically covers a portion of the cost, but you may still have copays, deductibles, or coinsurance.
Does the law apply to everyone?
No—it mainly applies to fully insured large group plans. Some plans are exempt.
What if my plan doesn’t cover IVF?
You may still have options, including self-pay packages or alternative financing. We work with premier financing partners that will work with you to make care affordable.
When does coverage start?
For most eligible plans, coverage begins with policies issued or renewed on or after January 1, 2026.