California Insurance Benefit Expansion
More coverage is coming!
Starting in January 2026, expanded insurance benefits will make fertility treatment, including IVF, more accessible to California residents—offering the coverage they need to grow their families.
If you’re wondering how these expanded benefits might apply to your unique circumstances, we can help. Our financial educators are here to walk you through what’s changing, what your plan may cover, and how to make the most of your benefits, both now and when the law takes effect.
Have your financial questions answeredWhat to expect
California’s expanded insurance coverage will require most small and large-group health plans to cover:
- Fertility testing and diagnosis
- Infertility treatment, including IVF
- Up to 3 completed egg retrievals
- Unlimited embryo transfers, based on clinical guidelines
The law also takes an inclusive approach to defining infertility, ensuring that LGBTQIA+ individuals, single parents, and others have fair access to fertility care.
Should you wait until 2026 to start treatment?
It’s a great question. Scheduling a consultation now will allow you and your physician to evaluate your fertility potential and ensure you’re ready to begin treatment in 2026. It takes time to begin, and time is an important factor in fertility. Many people are about to receive expanded benefit coverage, so it’s a good idea to beat the rush and start now.
Not sure if your plan will be included?
Insurance can be confusing. That’s where we come in. Our financial educators can:
- Review your current plan and determine if you’ll be covered under the expansion
- Explain how RSC’s financial programs can help if you’re not covered yet
- Help you make a plan that aligns with your budget, timeline, and goals
Let’s plan ahead—together
You don’t have to figure it out alone! Our team is ready to help you understand what’s changing, what’s available now, and what your next steps could be as you prepare for the new coverage in 2026. Connect today to learn how expanded insurance benefits can make your fertility journey more attainable.
Have your financial questions answered
