Hey there! Exciting news for those of you exploring fertility options in California! With the recent passage of SB 729, a major shift is taking place in the realm of fertility care. This new law, which goes into effect in July 2025, makes insurance-covered fertility treatments, including in vitro fertilization (IVF), accessible to many individuals and couples who have been waiting for this opportunity.
What Does SB 729 Entail?
For the first time, large-group health plans—those covering 100 or more employees—will be required to provide comprehensive coverage for infertility diagnosis and treatments, which now includes IVF. Until now, these benefits were often optional and inconsistently offered, leaving many people facing out-of-pocket expenses that could range from $12,000 to $25,000 per IVF cycle.
Key Benefits Covered by SB 729
- Up to three completed egg retrievals
- Unlimited embryo transfers
- Expanded eligibility for LGBTQ+ individuals and single parents, ensuring everyone has a fair shot at starting a family
- Significant financial relief for those who previously had to self-fund their treatments
Why Start Preparing Now?
Even though the official coverage begins in July 2025, it’s smart to get a head start. Here’s why:
- Insurance Authorization Takes Time: Many plans can take 20 business days or more to process authorizations.
- Pre-Cycle Prep is Essential: Completing necessary lab work, fertility tests, and consent forms can take two to three months before you can kick off treatment.
- Age Matters: If you’re over 38, starting sooner can really help improve your chances of success.
If you’re considering IVF and your employer offers a large-group health plan, now’s the time to reach out and schedule a consultation. Use the time leading up to July 2025 to get all your pre-cycle steps done so you can hit the ground running as soon as your new coverage kicks in. And if you’re curious about factors like sexually transmitted diseases affecting fertility, check out this related blog for more info.
Conclusion
In summary, SB 729 is set to open doors for many aspiring parents in California, offering much-needed insurance coverage for fertility treatments. With proper preparation, you can maximize your chances of success when the new law comes into effect.