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Infertility Insurance Coverage in Orange County, CA

Orange County residents are fortunate that California is one of 15 states mandated to cover infertility treatment. California Health and Safety Code, Section 1374.55, states that insurance plans must offer coverage for the diagnosis and treatment of infertility. Health insurance plans that cover hospital stays and medical and surgical expenses are required to offer insurance coverage. However, employers are not required to include the infertility coverage in the plans, or to provide the coverage.

The mandate covers infertility treatments, diagnostic tests, fertility drugs, surgery, and GIFT. It does not cover IVF treatments.

Infertility must be diagnosed by a doctor, and the woman must be unable to conceive a child or carry a pregnancy to term after trying to conceive for one year.

Before you begin fertility treatment, speak with your insurance provider to determine what your insurance benefits will cover.

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