Kaiser Fertility Benefits

Beginning July 1, 2026, fertility coverage transitioned to the California Senate Bill 729 requirements. Check your Evidence of Coverage (EOC) for more details about your fertility benefits¹.

To get started, contact Member Services at kp.org/supportcenter or 1-800-464-4000 (TTY 711), 24 hours a day, 7 days a week. If you have questions about your fertility benefits or need extra help with a complex situation, they can connect you with the Fertility Special Services team.

What fertility services are covered?
Covered services include²:

• Physician services, including consultation and referral
• Physical examination
• Screening and diagnostic lab and imaging services
• Diagnostic surgery and biopsy
• Genetic evaluation, testing, and screening
• Artificial insemination, including intrauterine insemination
• In vitro fertilization (IVF), including oocyte (egg) retrieval, sperm retrieval, and embryo transfer
• Fertility medications
• Other services to diagnose and treat infertility consistent with established medical practices
  and current guidelines published by the American Society for Reproductive Medicine

Donors, donor material, and gestational carrier services
Coverage for medically necessary infertility and fertility services to enable parenthood using
third-party donor gametes (eggs and sperm), donor embryos, or a gestational carrier includes:

• Procurement of donor semen, oocytes, or embryo³
• Ovary stimulation medications in an oocyte donor
• Retrieval of gametes from a donor⁴
• Embryo transfer to a gestational carrier

Cryopreservation and storage
Coverage may include cryopreservation and storage of sperm, oocytes, and embryos⁵

What’s not covered?
The following services aren’t covered under the SB 729 requirement:

• Services that aren’t related to the medically necessary treatment of infertility as defined in
  your EOC
• Nonmedical fees, including but not limited to legal fees, agency fees, shipping fees, travel
  fees, finder fees, broker fees, transport fees, other administrative costs, and compensation to a
  donor, gestational carrier, or other third party involved in an Assisted Reproduction Agreement
  (ARA)
• Health care costs for any third party involved in an ARA that aren’t medically necessary
  fertility services
• Any physical health or mental health screenings administered as part of the selection process
  for a donor or gestational carrier before the execution of an ARA
• Services related to the procurement, cryopreservation, and storage of semen, oocytes, and

_{Coverage differs by plan. Refer to your EOC or Certificate of Insurance, which you can get from your employer. 2. Fertility services
refers to medically necessary health care services to help a covered member become a parent. Plan physicians determine which fertility services are medically necessary/medically indicated for each patient. 3. Covered services remain subject to the limitations as outlined in your EOC. 4. See note 3. 5. See note 3.}