Fertility Insurance in California

California has, let’s say, “perplexing” laws related to insurance coverage for fertility treatment. For example, insurers are required to “offer” coverage for the diagnosis and treatment of infertility but they are not actually required to cover infertility treatment.


The same standard applies to the health policies that employers offer to their employees. They are not actually required to include fertility treatment coverage in their insurance plans. Basically, California’s fertility laws are akin to requiring someone to tell you about the after-party, but not requiring them to invite you to the after-party. In case that’s not weird enough, the California legislature decided to specifically exclude IVF as a covered fertility treatment.


Also, the state fertility mandate has an exemption for religious organizations. This means if you work for a religious organization, they can deny fertility treatment if it conflicts with the religious and ethical purposes of the organization.


Want to improve California’s fertility coverage mandates? Contact RESOLVE and ask how to help lobby for coverage in your area. You never know.



Do insurance companies have to cover IVF? 


Nope. Nada. Zip. None.

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