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California is ushering in a new era for reproductive healthcare with the introduction of Senate Bill 729 (SB 729). Signed into law on September 29, 2024, and officially effective as of July 2025, this landmark legislation marks a major win for individuals and couples navigating infertility. For the first time, fertility treatments such as in vitro fertilization (IVF) will be mandated for coverage by many employer-sponsored health plans.

Whether you're planning your family, facing infertility challenges, or part of the LGBTQ+ community looking for inclusive reproductive options, here’s what you need to know about SB 729—and how you can take action now.

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What Does SB 729 Include?

Under SB 729, large-group health insurance plans (those covering 100 or more employees) must now provide comprehensive infertility benefits, including IVF. This coverage ensures that many Californians who were previously excluded—either due to cost or discriminatory policies—can now access fertility care through their health insurance.

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Key Coverage Highlights:

Diagnosis and treatment of infertility, including IVF procedures
Up to three completed egg retrievals
Unlimited embryo transfers
Coverage extended to LGBTQ+ individuals and single parents
Significant reduction in out-of-pocket expenses, which previously ranged from $12,000 to $25,000 per IVF cycle

This law redefines fertility care as essential, not elective, bringing long-overdue equity and relief to many would-be parents.

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Why You Should Start Preparing Now

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1. Insurance Authorization Takes Time

Insurers typically require 20 or more business days to review and approve treatment authorizations. Delays in paperwork can push your cycle back by weeks or months.

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2. Pre-Cycle Medical Prep Is Essential

Before IVF can begin, patients must complete:

Bloodwork and diagnostic tests
Consultations and screenings
Legal consent forms

This preparatory phase can take two to three months.

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3. Age Can Impact Success Rates

Time is especially valuable for individuals over 38, as IVF success rates decline with age. Starting evaluations and freezing eggs or embryos ahead of July can be a smart move.

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Who Benefits From SB 729?

One of the most groundbreaking aspects of SB 729 is its inclusivity. The law extends equal access to:

LGBTQ+ couples and individuals
Single parents by choice
People with medical infertility diagnoses

Previously, many of these groups were excluded under the traditional definitions of infertility used by insurers. SB 729 rewrites the rules, affirming that family-building deserves equal coverage—regardless of sexual orientation, gender identity, or relationship status.

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How to Take the First Step

If you’re considering fertility treatment, the time to act is now. We here at Elsa Fertility can help you prepare by:

Offering new patient consultations
Guiding patients through insurance eligibility checks
Helping complete pre-treatment evaluations

By getting ahead of the curve, you’ll be ready to take full advantage of your new fertility benefits the moment they kick in.

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Final Thoughts

SB 729 isn’t just a new law—it’s a shift toward healthcare equity, reproductive justice, and modern family support. With the cost of IVF no longer a barrier for many Californians, the dream of parenthood is more accessible than ever.

Don’t wait. Begin your journey today—because your future family is worth planning for.

For personalized guidance, contact your employer’s HR team or your fertility care provider to understand how SB 729 may apply to your health plan.

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