Unlocking Access to Fertility Care: What California’s SB-729 Means for You

If you’ve experienced fertility challenges or are looking for the best way to build your family, you deserve care that’s accessible, compassionate, and supported by policy. California’s Senate Bill 729 is an important step forward in that direction. 

Here’s what you need to know. 

A Win for Fertility Coverage 

Starting July 1, 2025, Senate Bill 729 requires many California employers (those with 100+ employees) to offer insurance coverage for fertility treatments: including IVF, IUI, egg retrieval, medications, and embryo transfers. 

This is a big deal, especially for LGBTQ+ couples and single intended parents, who have long faced inequities in access to care. 

However, implementation has some nuances. The governor has requested an extension, with full rollout now expected by January 1, 2026, while some groups, like state employees, may see delays into 2027. 

What You Need to Ask

Not all companies will be required to comply. If your employer is self-insured, they may not have to provide this coverage at all. 

Here’s what to do: 

• Check with HR: Ask if your company’s plan qualifies and when your next open enrollment begins. 

• Understand your timeline: If your benefits renew on July 1, you might see coverage this summer. If your plan resets in January 2026, it would be early 2026. 

• Know that state employees or specialty plans have different timelines altogether. 
   

Why Waiting Might Not Be the Right Move

We get it…there’s hope in waiting for insurance to help offset fertility costs. But here’s our gentle advice: don’t hit pause if you’re already on your journey. 

Ovarian reserve, sperm health, and other key fertility factors don’t freeze while policies catch up. 

Whether you’re trying, considering IVF, or just curious about your fertility health, now is the time to check in. 

At RPMG, we’re not just watching this bill, we’re here to walk beside you, every step of the way. 

Let’s Talk About Your Options 

If you have questions about how SB-729 may impact your coverage, or what to do in the meantime, our team is ready to help. We’ll keep sharing updates as they become available. 

In the meantime, let’s make decisions based on your goals, not just your insurance plan. 

Contact us today →