HRC Fertility works with many health insurance providers, including but not limited to: Progyny, Mavin, Carrot, Win Fertility, and federal employees/service members federal plans. We will work with you to evaluate your coverage applicability.
As of January 1, 2026, many residents in California may now have infertility coverage as part of their employer insurance plan. Please check with your insurance provider to see if you’re eligible for coverage.
One of the most important steps patients can take is to obtain a copy of their actual insurance policy. Our financial counselors can closely review this information with you to legally maximize any benefits that are available. Some managed care providers cover many tests for infertility, and some treatments. This might include the diagnostic laparoscopy, which might also be done for treatment of conditions such as endometriosis.
Starting January 1, 2026, Senate Bill 729 (SB 729) mandates that large, state-regulated employer health insurance plans provide coverage for the diagnosis and treatment of infertility. This historic legislation includes coverage for essential services such as In Vitro Fertilization (IVF) and fertility preservation—also known as oncofertility—for those facing a cancer diagnosis.
This law is a major step forward in ensuring that high-quality reproductive care is a standard part of employee health benefits. While this mandate opens new doors for many, it is important to remember that it specifically applies to state-regulated "large group" plans. Because insurance language can be complex, we encourage you to connect with our financial team. We can help you determine if your specific plan falls under this new mandate and how to best utilize these benefits to support your goals.
CapexMD has financing options to meet almost everyone’s budget. With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family. CapexMD offers a wide variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable. Each loan program is designed to fit your individual circumstances and once approved, their fertility loan specialists will work closely with HRC Fertility to ensure the funds are secured prior to the commencement of your treatment. Get your pre-approval within 24 hours.
Future Family is the smart way to pay for fertility treatments like IVF and egg freezing. We work with your clinic to combine all of your treatment costs into one easy monthly payment. A Future Family loan offers you competitive interest rates, exclusive medication discounts, as well as bill pay management, saving you time and money. You can also invite a family member or friend to take out a loan on your behalf with our Friends & Family Plan. To learn more go to Future Family or Get Started by registering and prequalifying.
HRC Fertility is contracted with most insurance carriers. Currently, we accept the following fertility plans and coverages: Progyny, Mavin, Carrot, Win Fertility and federal employees/service members federal plans. We will work with you to evaluate your coverage applicability.
One of the most important steps patients can take is to obtain a copy of their actual insurance policy. Our financial counselors can closely review this information with you to legally maximize any benefits that are available. Some managed care plans cover many diagnostic tests and some treatments for infertility. These often include basic hormonal testing, a semen analysis and required state labs. This might include the diagnostic laparoscopy, which is done to treat such conditions as endometriosis.
We start by looking at your personal insurance policy and determining your level of coverage. We investigate your benefits as you schedule your initial consultation so that you know what is covered before any testing or treatment is started.
Our financial counselors will help you every step of the way in maximizing what you can obtain from your insurance as long as benefits are available with the plan.
