Life IVF Center works with many major PPO insurance plans and fertility benefit programs to help patients access fertility care. Coverage varies by plan and employer, and confirming benefits early can help avoid delays and surprises.
Recent California legislation, known as SB 729, expands fertility coverage requirements for some patients. Details are outlined below.
Life IVF Center accepts PPO plans only. HMO plans are not accepted.
Insurance Carriers (PPO plans)
Fertility Benefit Programs
If you have Progyny, your benefit rules and authorizations typically come through Progyny, even if an insurer name appears on your card.
Quick reminder
Two patients with the same carrier can have different fertility coverage because employer plan design often determines what is covered.
Fertility insurance can be complex, and online portals or call center representatives may not always have the most up-to-date or complete information.
Why patients should call directly
We have seen cases where patients who should have coverage are told otherwise because plan records are outdated or incomplete.
What to ask when you call
SB 729 is a California law that expands fertility coverage requirements for certain health plans. It is important, but it does not apply to every patient or every plan.
Who it may apply to
SB 729 generally applies to fully insured large-group health plans issued in California.
Who it does not apply to
SB 729 generally does not apply to self-funded or ERISA plans.
Progyny and existing benefits
Patients with existing fertility benefits, such as Progyny, may see little or no change as a result of SB 729.
Bottom line: SB 729 can expand access for some patients, but coverage is never automatic. You should still verify your specific benefits directly with your insurer or benefit program.
Some important parts of fertility care are billed differently than clinic services. Confirming these items early helps prevent surprises.
Fertility medications
Medication coverage varies widely between plans and employers. Confirm these items before starting:
Infectious disease testing
Life IVF Center can perform blood draws in our clinic. However, testing is commonly processed and billed by a third-party laboratory, such as Quest Diagnostics or LabCorp (the billing entities).
Below are answers to common questions about insurance coverage, benefit programs, and SB 729.
Does Life IVF Center verify insurance benefits for me?
We can help you understand next steps and explain common insurance terminology. However, insurance companies and benefit programs make final benefit determinations. Patients are encouraged to confirm coverage directly with their insurer or benefit program.
Does SB 729 guarantee fertility coverage?
No. SB 729 expands coverage requirements for certain plans, but coverage still depends on your employer’s plan design and whether the plan is fully insured.
Does SB 729 cover fertility medications?
Medication coverage varies by plan and is not guaranteed. Patients should confirm fertility medication benefits and pharmacy requirements directly with their insurer.
What if my insurer says I do not have coverage?
If you believe coverage should apply, ask your insurer to review your employer plan details and provide the benefit language in writing. Our team can help you understand next steps based on what your insurer provides.
Do you accept HMO plans?
No. Life IVF Center accepts PPO plans only.
If I have Progyny, do I still need to verify?
Yes. Progyny benefits often involve authorizations and specific steps. Confirm your current benefit details directly with Progyny, and our team can help coordinate next steps once you have your information.
