CalMatters – In a significant move toward improving access to reproductive healthcare, California Governor Gavin Newsom has signed a new law mandating that certain health insurers cover in vitro fertilization (IVF) treatments. This legislation aims to make IVF more accessible for many Californians, addressing the financial burdens often associated with fertility treatments.
IVF, a process in which eggs are extracted and fertilized by sperm in a laboratory before being implanted in the uterus, is known for being both emotionally and financially taxing. The costs can soar into the tens of thousands of dollars, rendering it unaffordable for many families and leaving some facing substantial debt.
This legislative action marks a notable advancement following the failure of four similar bills in the past five years. Currently, at least 14 other states require insurance coverage for IVF, underscoring a growing trend in reproductive health support.
Governor Newsom emphasized California’s commitment to reproductive freedom, stating, “As a national leader for increasing access to reproductive health care and protecting patients and providers, including those under assault in other states, I want to be clear that the right to fertility care and IVF is protected in California. In many other states, this is not the case.”
Senate Bill 729 mandates that large group health plans—those covering at least 100 employees—provide coverage for infertility diagnosis and treatment. This includes up to three egg retrievals and unlimited embryo transfers. Approximately 9 million Californians enrolled in large group, state-regulated health plans will benefit from this new law, which goes into effect in July 2025 for most beneficiaries, and July 2027 for government employees under the California Public Employees’ Retirement System.
The law also expands the definition of infertility to ensure that same-sex couples can receive the necessary treatment. Senator Caroline Menjivar, the bill’s author and a Van Nuys Democrat, highlighted the importance of making intrauterine insemination and IVF more accessible for LGBTQ+ individuals, calling it a crucial step toward achieving reproductive equity.
An analysis of the legislation revealed that a single round of IVF can cost nearly $20,000, and many individuals may require multiple rounds to achieve a successful pregnancy. In her advocacy for the bill, Menjivar recounted her own experience of choosing between using their savings to start a family or making a down payment on a house—ultimately opting for the latter.
“Today is a personal and emotional victory. And it is a triumph for the many Californians who have been denied a path towards family-building because of the financial barriers that come with fertility treatment, their relationship status, or who are blatantly discriminated against as a member of the LGBTQ+ community,” Menjivar stated.
Currently, California law requires insurance companies to provide coverage for less expensive fertility treatments, such as diagnostic tests and medications, but it is ultimately up to employers whether to include these in their plans. The new law represents a significant shift in supporting the reproductive rights of Californians, aiming to alleviate financial barriers to family building for all individuals.
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