California Insurance Updates: What SB 729 Means for You
Article Updated November 2025
More coverage for fertility treatment is coming soon! Starting in January 2026, California residents will have expanded insurance benefits for fertility treatment, including IVF.
If you’re wondering how these additional benefits may impact you, we can help. Our team can walk you through what’s changing, what may be covered, and how to make the most of your benefits.
What You Need to Know About SB 729
Beginning January 1, 2026, most small and large-group health insurance plans in California will be required to cover:
Comprehensive infertility diagnosis and treatment, including IVF
Up to three completed egg retrieval cycles
Unlimited embryo transfers (based on established clinical standards)
Inclusive coverage for LGBTQIA+ individuals and single patients
Why This Law Matters
A groundbreaking law is changing the fertility care landscape in California. Senate Bill 729 (SB 729) ensures that more people can access the care they need to grow their families—regardless of their relationship status, gender identity, or financial means.
At Southern California Reproductive Center (SCCRM), we’re proud to support this major advancement in reproductive health access and help guide patients through their new coverage options.
Should I Wait Until 2026 to Start Fertility Treatment?
It’s a great question. Scheduling a consultation now will allow you and your physician to evaluate your fertility potential and ensure you’re ready to begin treatment in 2026. It takes time to begin, and time is an important factor in fertility. Many people are about to receive expanded benefit coverage, so it’s a good idea to beat the rush and start now.
We recommend starting the process now to:
Understand your fertility potential
Complete diagnostic testing
Begin necessary consultations
Create a personalized treatment plan that aligns with your 2026 insurance benefits
Fertility Services at SCCRM
Whether you're just beginning your journey or seeking advanced options, SCCRM offers comprehensive reproductive services, including:
Our team tailors each treatment plan to your goals, medical history, and lifestyle—delivering compassionate care grounded in world-class science.
Your Family-Building Journey Just Got Easier
SB 729 brings long-overdue relief to those who’ve faced fertility treatment without insurance support. Whether you're planning ahead, exploring options as an LGBTQIA+ individual, or preserving fertility before a medical procedure, SCCRM is here to guide you.
Let’s talk about your options.
Medical contributions by
Robert E. Anderson, M.D.
Double board-certified
Obstetrics and Gynecology, Reproductive Endocrinology and Infertility
With over 30 years experience in the field of Reproductive Medicine, Dr. Robert Anderson has developed a highly successful approach to the treatment of every type of fertility problem. He has been practicing in Orange County longer than any other Board Certified Reproductive Endocrinologist.
Don Royster, M.D.
Double board-certified
Obstetrics and Gynecology, Reproductive Endocrinology and Infertility
With over 15 years of experience as an OB/GYN and Reproductive Endocrinology and Infertility (REI) specialist, Dr. Don Royster joined SCCRM after serving on active duty in the United States Air Force for over 20 years, retiring at the rank of Colonel. He has performed over 6,000 surgeries and delivered over 1,000 babies with deployments and humanitarian missions across the globe.