Fertility care in Sacramento
The Reproductive Science Center of the San Francisco Bay Area (RSC) brings more than 40 years of fertility experience to Sacramento and the surrounding area. Our board-certified Reproductive Endocrinologists see patients by virtual visit, and our financial educators work with your insurance to make coverage clear. We serve patients in Sacramento, Elk Grove, Roseville, Folsom, Davis, and nearby communities.
You don’t need a plan before you reach out. Whether you’re just starting to explore your options or ready for advanced treatment, we’ll build a plan around your goals.
Request an appointmentMeet with a specialist from home
Virtual visits connect you with an RSC Reproductive Endocrinologist wherever you are. You get answers sooner, without taking time off work or driving across the region.
Use a virtual visit to:
- Review your medical history and fertility goals
- Go over test results
- Compare treatment options, timelines, and costs
- Make a plan to connect with one of our financial educations about your benefits
- Follow up after testing or treatment
When you need bloodwork, an ultrasound, or a procedure, we’ll schedule it around your life.
Schedule a virtual visitServices for Sacramento patients
- Fertility testing: Diagnostic testing for ovarian reserve or semen analysis and reproductive health, including our $99 Fertility Check
- Fertility preservation: Egg freezing and other options for planning ahead
- Intrauterine insemination (IUI) and ovulation induction: Care that includes Clomid cycles
- In vitro fertilization (IVF): Egg retrieval, fertilization in the lab, and embryo transfer
- Genetic testing: Preimplantation genetic testing (PGT) and screening for inherited conditions
- Third-party reproduction: Egg donation and gestational surrogacy
- LGBTQIA+ family building: Donor sperm and egg options, reciprocal IVF, and gestational surrogacy
- Integrative medicine: Acupuncture, nutrition counseling, and mind-body support during treatment
Insurance and benefits
California’s expanded fertility coverage is in effect. Since January 2026, most large-group health plans must cover fertility testing and diagnosis, infertility treatment including IVF, up to 3 completed egg retrievals, and unlimited embryo transfers based on clinical guidelines. The law defines infertility inclusively, so LGBTQIA+ individuals, single parents, and others have fair access.
RSC is contracted with these insurance plans:
- Aetna
- Blue Shield of California
- Cigna
- Elevance (Anthem Blue Cross)
- Hills Physicians Medical Group
- John Muir Health
- Sutter Medical
- Sutter Easy Bay
- Tricare
- TriWest
- UnitedHealthcare
- UMR
Benefits vary by plan, and participation doesn’t guarantee coverage. Check with your insurance provider for details on your individual benefits.
Fertility benefit administrators
If your employer offers fertility benefits through a third-party administrator, you may qualify for negotiated preferred rates and streamlined claims processing. RSC works with:
- Carrot
- Maven Clinic
- Progyny
- Optum
- WINFertility (Premier Plan)
Some programs require you to enroll directly with the administrator. Your HR department or your financial educator can confirm your eligibility.
Your financial educator
Every RSC patient has a financial educator who specializes in infertility coverage. Your financial educator will:
- Explain your treatment costs and coverage before you start a cycle
- Ask the right questions to uncover every benefit available to you
- Review your coverage for treatment and fertility medications through our Predetermination of Benefits Program
- File claims and accept assignment of benefit payments when possible, which reduces your upfront costs
More ways to manage cost
- IVF refund and multi-cycle programs: Through Fertility Access, choose a 100 percent refund program (up to 3 retrievals), a 50 percent refund program (up to 2 retrievals), or a multi-cycle discount. Each includes unlimited frozen embryo transfers, and savings reach up to 40 percent.* some exclusions apply
- Financing: CapexMD offers loans from $3,000 to $50,000, repayment terms from 6 to 84 months, and pre-qualification that doesn’t affect your credit.
- Self-pay discounts: Reduced rates on bundled services.
- Grants: RSC supports the Cade Foundation Family Building Grant, which awards up to $10,000. We also match 100 percent of the value of grants from 501(c)(3) organizations, up to 25 percent of the service charge.
- Clinical trials: Qualifying patients can access treatment at reduced or no cost.
FAQs about fertility support in Sacramento
Yes, in many cases. Since January 2026, California law has required most small and large-group health plans to cover fertility testing and diagnosis, infertility treatment including in vitro fertilization (IVF), up to 3 completed egg retrievals, and unlimited embryo transfers based on clinical guidelines. The law defines infertility inclusively, so LGBTQIA+ individuals, single parents, and others have fair access.
Coverage still depends on your specific plan. Your financial educator will review your benefits with you and explain what applies.
You’ll meet with an RSC Reproductive Endocrinologist by video. The visit usually covers:
- Your medical history and fertility goals
- Any records or test results you already have
- Which tests or treatments make sense for you
- A clear recommendation for what to do next
If you need bloodwork or an ultrasound, we’ll coordinate it around your schedule.
Yes. Our $99 Fertility Check is a good starting point because it assesses your ovarian reserve, sperm health, and reproductive health. Call 888-377-4483 or request an appointment, and our team will tell you which tests to schedule first.
Virtual visits are available to patients located in California at the time of the appointment. If you live outside California, call 888-377-4483 and we’ll help you find the right option. You’ll need a private space, a reliable internet connection, and a phone, tablet, or computer with a camera.
Ready to talk? Schedule a virtual consult with an RSC Reproductive Endocrinologist, or call 888-377-4483.
