生育护理服务变得更加触手可及

• Up to 3 complete egg retrieval cycles per person (lifetime benefit)
• Unlimited frozen embryo transfers (FETs), subject to clinical guidelines
• All associated fertility medications, monitoring, lab work, and embryology services

Yes—explicitly. SB 729 was designed to be inclusive of LGBTQIA+ individuals, same-sex couples, and anyone who needs fertility services regardless of gender identity, sexual orientation, or whether they have a medical infertility diagnosis.

At Laurel Fertility Care, we have always served LGBTQ+ individuals and families. We are proud to help patients navigate their SB 729 coverage for IUI, IVF, egg freezing, donor sperm, reciprocal IVF, and other family-building pathways.

With a fully insured plan, an insurance company pays your healthcare claims, and SB 729 may apply. With a self-funded plan, your employer pays claims directly, and SB 729 does not apply.

Not sure which you have? Ask your HR team or benefits administrator. Our team can also help you understand your coverage options.

It depends on whether your employer uses a fully insured or self-funded plan. Many large Bay Area tech companies use self-funded (ERISA) plans, which means SB 729’s coverage requirements do not apply under federal law. However, many Bay Area tech employers have voluntarily added fertility benefits—often exceeding what SB 729 requires. Ask HR whether your plan is fully insured or self-funded, and whether IVF is covered.

SB 729 covers medically necessary fertility preservation, such as egg freezing before cancer treatment. Coverage for elective egg freezing may vary by health plan.

If you’re considering egg freezing, our team can help you review your benefits and understand your options before you get started.

SB 729 mandates coverage for up to 3 complete egg retrieval cycles per covered person. There is no stated limit on the number of frozen embryo transfers (FETs)—those are covered subject to clinical guidelines and your plan’s terms.

Yes. SB 729 requires coverage for fertility medications that are medically necessary for covered treatments, including ovarian stimulation injections used during IVF cycles. Your plan’s prescription drug benefit may have its own copay or cost-sharing structure. Check with your insurer for your specific out-of-pocket costs.

Yes. SB 729 requires coverage for medically necessary fertility preservation, which explicitly includes fertility preservation before cancer treatment. If you or someone you know has been diagnosed with cancer and needs to preserve eggs, sperm, or embryos before chemotherapy or radiation, SB 729 may cover this.

Laurel Fertility Care offers an oncofertility fast-track program: patients referred by an oncologist are seen within 48 hours, with expedited evaluation and cryopreservation before treatment begins. Learn more about oncofertility at Laurel Fertility.

If you have cycles remaining under the SB 729 benefit (up to 3 retrievals total) and your plan is now active under SB 729, you may be able to use your insurance for additional treatment. The specifics depend on your plan’s benefit structure and whether prior cycles were documented with your insurer. We recommend contacting your insurance carrier and then speaking with our team.

Yes. Laurel Fertility Care works with patients covered under SB 729 and accepts multiple California insurance carriers. Contact our team and we will verify your specific plan before your first appointment, at no cost to you.

Schedule a free insurance verification consultation.