As of July 1, 2025, California legislation mandates large group health insurance plans and disability insurance policies to cover diagnosis and treatment of infertility, including in vitro fertilization (IVF). The new law, which affects approximately 9 million Californians, redefines infertility to be more inclusive of non-traditional families such as LGBTQ+ individuals and cancer survivors. Previously, insurers needed to cover infertility but not specifically IVF. The legislation has evolved to now include a maximum of three egg retrievals and unlimited embryo transfers as dictated by the American Society for Reproductive Medicine (ASRM). The mandate does not apply to religious employers but considers violation of the law a criminal offense.

This positive development is geared towards avoiding health insurance companies from placing different conditions on coverage for fertility and infertility diagnoses, treatments, and services. It also impedes any potential coverage discrimination based on age, genetic information, marital status, national origin, among other grounds. With this bill, California becomes the 14th state to legally compel health insurers to cover IVF treatment. The others are Arkansas, Colorado, Connecticut, Delaware, Illinois, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, and Utah, along with Washington, D.C. This law applies to policies instituted or renewed on or after July 1, 2025.

In order to navigate through the new policies and implications of the California legislation, it is crucial to know how to communicate with the associated departments. Understanding how to get a hold of the State Disability Insurance (SDI) can be greatly beneficial. A good resource for this can be found at eddcaller.com. The site provides useful insights and strategies to successfully contact the relevant authorities.