CA SB729

Large group health care service plan contracts and disability insurance policies issued, amended, or renewed on or after July 1, 2025 must provide coverage for diagnosis and treatment of infertility and fertility services, including a maximum of 3 completed oocyte retrievals with unlimited embryo transfers following American Society for Reproductive Medicine guidelines.

Small group health care service plan contracts and disability insurance policies must offer (but are not required to provide) coverage for infertility and fertility services under the same effective date.

Infertility is defined as a condition based on physician findings, inability to reproduce without medical intervention, or failure to establish pregnancy after 12 months of unprotected intercourse (or 6 months for persons 35 and older), with no restart of the waiting period if a miscarriage occurs.

Health care plans and disability insurers cannot impose different conditions, limitations, deductibles, copayments, or restrictions on fertility medications and infertility services than applied to other medical conditions or prescription medications.

Exemptions apply to religious employers, specialized health plans, Medi-Cal managed care, and Public Employees' Retirement System contracts (until July 1, 2027).