At Pacific Fertility Center, we understand that finances play a crucial role in deciding whether to pursue fertility treatment. However, we believe that financial concerns shouldn't prevent you from building the family of your dreams. With many insurers now covering infertility diagnosis and treatment, our financial team is dedicated to helping you understand and make the most of your benefits.
Because coverage varies based on your specific insurance policy, it’s important to verify the details with your provider or employer before beginning treatment. Our knowledgeable financial counselors can help you review your plan, clarify what’s included, and answer any questions along the way.
A Dedicated Team of Fertility Insurance Experts
The financial team at Pacific Fertility Center is ready to help you move forward with fertility treatment. Our goal is to simplify the insurance process, reaching out to your provider, verifying your coverage, and reviewing your benefits on your behalf.
We prioritize transparency through every step of the fertility care journey. Our counselors will thoroughly explain any potential out-of-pocket expenses upfront and help uncover benefits in your plan that you may not realize you have. No matter where you are on your path to parenthood, you can count on us to support you every step of the way.
Participating Insurance Providers
Pacific Fertility Center partners with a variety of insurance providers to make fertility treatment as accessible and affordable as possible for our patients. Below is a list of the plans we generally work with.
If your plan isn't listed, our financial team will still help you explore your options and review your benefits. Please note that this list is subject to change and may vary by physician and location. We encourage you to confirm your coverage before your appointment.
Blue Shield of California HMO, POS, PPO (BTMG Payor)
Carrot
Cigna (PPO, OAP, HMO, POS) (BTMG Payor)
First Health (PPO) (BTMG Payor)
Healthnet (PPO, HMO) (BTMG Payor)
HealthSmart (PPO) (BTMG Payor)
Humana PTO
Maven
Multiplan (BTMG Payor)
Optum Fertility Solutions
Progyny
Sutter Select (PPO, EPO) (BTMG Payor)
Sutter Select UMR (BTMG Payor)
United HealthCare (PPO, POS, HMO) (BTMG Payor)
USA MCO (PPO) (BTMG Payor)
WIN Fertility
Zelis/NPPN (PPO) (BTMG Payor)
Start Your Fertility Journey With Confidence
If you're ready to start your fertility journey, the first step toward treatment is scheduling a consultation at Pacific Fertility Center. During your visit, our financial counselors will review your insurance coverage, verify your benefits, and help you understand your options.
Does Insurance Cover IVF and Fertility Treatments in San Francisco?
Intended parents in San Francisco can take advantage of California's SB 729 law, which mandates that certain insurance plans cover the diagnosis and treatment of infertility, including in vitro fertilization (IVF). This law took effect on January 1, 2026, and applies to fully insured health plans that are issued, renewed, or amended on or after that date and are regulated by California law. However, self-insured plans, small group plans, and individual plans are not required to comply with this law, nor do plans offered through the California Exchange, Medicaid, or Medicare.
Our financial specialists will review your policy and help you explore your options. We strive to maximize your benefits and empower you throughout your IVF journey.
Understanding Fertility Insurance in California
Insurance coverage for fertility services in California depends on your specific plan. It's important to talk with your human resources office or the person at your company who oversees your employer’s health insurance benefits to verify your coverage.
At Pacific Fertility Center, we can identify any eligible benefits in your plan and advocate on your behalf, so you can start your fertility care with confidence and peace of mind.
What Fertility Services Are Typically Covered by Insurance?
Fertility insurance coverage varies, but services commonly covered include:
Our financial team will review your options and answer all of your questions before proceeding with treatment.
How Much Does IVF Cost With and Without Insurance?
It's essential to understand the costs associated with IVF before embarking on your journey. Whether you have insurance or are paying out of pocket, Pacific Fertility Center is dedicated to providing transparent and upfront pricing at every turn.
With insurance:
Coverage for fertility care and related services varies by insurance plan. Please speak with your employer about your fertility benefits, and our financial counselors can assist you in reviewing your plan in detail.
Without insurance:
The cost of IVF in California can fluctuate significantly based on several factors. A basic IVF cycle without medications can easily cost $20,000+, but additional procedures like genetic testing can increase the price. Geographic location, the number of cycles needed, medication costs, and insurance coverage also play a critical role in determining the overall expense.
Blue Shield of California HMO, POS, PPO (BTMG Payor)
Carrot
Cigna (PPO, OAP, HMO, POS) (BTMG Payor)
First Health (PPO) (BTMG Payor)
Healthnet (PPO, HMO) (BTMG Payor)
HealthSmart (PPO) (BTMG Payor)
Humana PTO
Maven
Multiplan (BTMG Payor)
Optum Fertility Solutions
Progyny
Sutter Select (PPO, EPO) (BTMG Payor)
Sutter Select UMR (BTMG Payor)
United HealthCare (PPO, POS, HMO) (BTMG Payor)
USA MCO (PPO) (BTMG Payor)
WIN Fertility
Zelis/NPPN (PPO) (BTMG Payor)
IVF costs with insurance depend on your policy. Some policies cover diagnostics, medications, and other specific services related to IVF, while others offer partial or complete coverage for the entire IVF process. We'll review your benefits and outline your expected out-of-pocket expenses before you start treatment.
The average cost of a single IVF cycle without insurance in California ranges from $15,000 to $40,000. The base cost is between $12,000 and $25,000, not including medications or additional procedures.
Under SB 729, large-group health plans in California must cover egg freezing as part of infertility diagnosis and treatment. However, for other plans, coverage is not guaranteed and depends on the specific policy. For example, regarding small group plans, coverage must be offered by the insurer, but employers are not mandated to include it in their benefits package. We'll review your specific plan to determine what coverage options are available to you.
As IVF after tubal ligation is considered elective, most insurance plans do not cover it. We'll review your specific plan to determine if partial coverage might be available.
IVF after a vasectomy, like IVF after tubal ligation, is typically not covered as it's considered elective. However, our financial counselors are happy to assist you in discovering any available benefits.
Under SB 729, large-group health plans in California must cover infertility services for aspiring parents, including LGBTQ+ couples and individuals. However, there are still limitations for small groups and self-funded plans. Our team is here to advocate for you and help you fully understand the services your plan covers.
Yes, large-group health plans in California may cover IVF medications. However, the extent of this coverage may vary depending on your specific plan. We'll identify any available discounts or programs that may apply to you.
IVF costs typically count toward your health insurance deductible in California, but it depends on how your plan classifies fertility care. Pacific Fertility Center is here to help you understand how your deductible works and what to expect throughout your treatment.
Ready to Start? Schedule a Consultation Today
Fertility insurance can be challenging to navigate, but you don't have to do it alone. Pacific Fertility Center's financial team is here to answer your questions and help make treatment as affordable as possible. To learn more, schedule a consultation at one of our fertility clinics in San Francisco or Marin.
