Does Kaiser Permanente cover IVF?
What Kaiser Permanente publishes about covering IVF and other fertility treatment, in its own words, with the document each statement is in.
- Documents read · checked 16 h ago
Only if your plan includes it. Kaiser Permanente's fertility pages in every region say your fertility benefits depend on your health plan and its Evidence of Coverage. Where Kaiser's documents say more, IVF is something a plan adds: in California, select large-group plans cover it under the state's new law (SB 729) and small businesses can buy it; in Oregon, southwest Washington and Washington it takes a fertility rider the employer adds; and its 2026 individual plans in Hawaii and Maryland cover IVF within limits. Kaiser sells plans in eight regions, so the state section below covers only those states.
What Kaiser Permanente's own documents say
Read on Oct 12, 2026. The words in quotation marks are the source's own.
Only if your plan includes it
“Your fertility care benefits depend on your health plan. Refer to your _Evidence of Coverage (EOC)_ for a complete description of your coverage. If you have coverage through an employer, ask for a copy of your _EOC_.”
“With select health plans, you’re covered for fertility services in line with California Senate Bill 729. Refer to your Evidence of Coverage for more details about your fertility benefits.”
“Referrals to Reproductive Endocrinology and Infertility (REI) specialists and associated services are not covered as a base benefit and are only eligible for coverage when the member has a sterility and infertility (SI) rider or other evidence of coverage in their contract.”
Fertility Special Services (California)
In Northern and Southern California, Member Services can connect you with Kaiser's Fertility Special Services team for benefit questions or a complex situation, weekdays 8 a.m. to 5 p.m. Pacific.
“If you have questions about your fertility benefits or need extra help with a complex situation, we can connect you with the Fertility Special Services team. The team is available Monday through Friday, 8 a.m. to 5 p.m. Pacific time.”
Fertility drugs
Fertility drugs usually need coverage of their own. In Oregon and southwest Washington a separate prescription drug rider covers them; in Washington they need the infertility rider and fall under the pharmacy benefit, with prior authorization where required.
“We also have a prescription drug rider available for coverage of oral and injectable drugs used in fertility treatments.”
“require evidence of coverage (SI rider or contract language) and are covered under the pharmacy benefit subject to any applicable prior auth requirements.”
Genetic testing of embryos
Kaiser's Washington criteria do not cover routine genetic testing of embryos with IVF; testing has its own medical-necessity criteria.
“Routine use of pre-implantation genetic testing (with IVF); medical necessity criteria for pre-implantation genetic testing can be found in a separate clinical criteria”
Fertility preservation before cancer treatment (California)
California requires individual, small-group and large-group plans to cover standard fertility preservation when a treatment may cause infertility, and Kaiser's 2026 small-business notice includes it in contracts issued or renewed on or after July 1, 2025.
“Section 1374.551 and California Code of Regulations (CCR), title 28, section 1300.74.551 require health plans in the individual, small group, and large group commercial markets to cover “standard fertility preservation services,” as defined in those sections, to treat iatrogenic infertility.”
“Fertility preservation Services (SB 600) In accordance with state law, in contracts issued, amended, or renewed on or after July 1, 2025, the “Fertility Preservation Services for Iatrogenic Infertility” section of the EOC includes coverage for Standard Fertility Preservation Services.”
Common exclusions
Unless a rider or contract says otherwise, Kaiser's Washington criteria exclude treatment after a voluntary sterilization, long-term freezing apart from active efforts to conceive, donor eggs or sperm, and surrogacy. The Northwest rider excludes donor eggs and sperm and their storage, and drugs without the drug rider.
“Reproductive services after voluntary sterilization of a male or female partner (e.g., tubal ligation, vasectomy), including tubal reanastomosis, vas reanastomosis, sperm extraction, artificial insemination and in vitro fertilization • Long-term cryopreservation (i.e., apart from real-time efforts to conceive) • Costs related to donor genetic material used for artificial insemination or invitro fertilization • Services for the purpose of surrogacy”
“The cost of donor semen, donor eggs, and services related to their procurement and storage (such as cryopreservation). • Oral and injectable drugs prescribed for fertility treatment unless you have purchased an “Outpatient Prescription Drug Rider” that includes coverage for fertility drugs. • Services to reverse voluntary, surgically induced infertility.”
Kaiser Permanente by region
Kaiser sells plans in eight regions, and each publishes its own fertility page. What each says, and where its documents say more.
Northern California
SB 729 on select plansKaiser's 2026 flyer says select plans cover fertility services in line with California's SB 729. The law requires fully-insured large-group plans issued or renewed from January 1, 2026 to cover infertility diagnosis and treatment, including at least three completed egg retrievals, and small-group plans to offer it. A small business that buys Kaiser's Fertility Services benefit gets diagnosis, drugs, insemination and IVF, with one egg retrieval and one embryo transfer per lifetime, at the same cost share as other care.
“With select health plans, you’re covered for fertility services in line with California Senate Bill 729. Refer to your Evidence of Coverage for more details about your fertility benefits.”
“A large group health care service plan contract subject to section 1374.55 shall cover and a small group health plan contract subject to section 1374.55 shall offer to cover the diagnosis and treatment of infertility and medically necessary fertility services consistent with established medical practices and the most current professional guidelines”
“b. A large group contract must cover at least three completed oocyte retrievals.”
“Fertility Services (SB 729) In accordance with state law, if your Group purchases the Fertility Services benefit the “Fertility Services” and “Outpatient Pharmacy Services” sections of the EOC include coverage of the following services: • Services required to diagnose infertility, including laboratory and imaging services • Services to treat infertility, including medications, artificial insemination, and in vitro fertilization”
“Coverage includes one oocyte retrieval per lifetime and one transfer of fresh or cryopreserved embryo per lifetime.”
Southern California
SB 729 on select plansThe same as Northern California: select plans cover fertility services in line with SB 729, and small businesses can buy the Fertility Services benefit. The state employees' plans (CalPERS) come under SB 729 from July 1, 2027.
“With select health plans, you’re covered for fertility services in line with California Senate Bill 729. Check your Evidence of Coverage (EOC) for more details about your fertility benefits.”
“SB 729/AB 116 does not apply to health plan contracts entered into with the Board of Administration of the Public Employees’ Retirement System until July 1, 2027.”
Colorado
Depends on your planKaiser's Colorado page says fertility benefits depend on your plan and its Evidence of Coverage, which an employer can give you. Colorado's own law is in the state section below.
“Your fertility care benefits depend on your health plan. Refer to your _Evidence of Coverage (EOC)_ for a complete description of your coverage. If you have coverage through an employer, ask for a copy of your _EOC_.”
Georgia
Depends on your planKaiser's Georgia page says fertility benefits depend on your plan and its Evidence of Coverage.
“Your fertility care benefits depend on your health plan. Refer to your _Evidence of Coverage (EOC)_ for a complete description of your coverage. If you have coverage through an employer, ask for a copy of your _EOC_.”
Hawaii
1 IVF per lifetime (individual plan)Kaiser's Hawaii page says fertility benefits depend on your plan. Its 2026 individual plan (Standard Platinum) covers one outpatient IVF procedure per lifetime as a Kaiser member, with prior authorization, for people with a five-year history of infertility or a listed condition, or after three failed IUI cycles. IVF with donor eggs or a surrogate, and freezing eggs, sperm or embryos, are excluded. A plan through an employer can differ.
“Your fertility care benefits depend on your health plan. Refer to your _Evidence of Coverage (EOC)_ for a complete description of your coverage. If you have coverage through an employer, ask for a copy of your _EOC_.”
“Your coverage is limited to a one-time only benefit for one outpatient in vitro fertilization procedure while you are a Kaiser Permanente Member. If you received benefits for in vitro fertilization under any Kaiser Permanente plan, you are not eligible for in vitro fertilization benefits under this plan.”
“To qualify for the IVF procedure as defined, you must prove that natural conception between your eggs and your partner’s sperm have a five-year history of infertility or that infertility is related to one or more of the following medical conditions:”
“Cryopreservation of oocytes, sperm and embryos. • In vitro fertilization using Services of a Surrogate. • In Vitro fertilization using donor oocytes. • Cost of donor oocytes and donor sperm.”
Maryland, Virginia and Washington, D.C.
3 attempts per live birth (Maryland individual plan)Kaiser's Mid-Atlantic page says fertility benefits depend on your plan. Its 2026 Maryland individual plan covers artificial insemination and IVF for involuntary infertility: for an unmarried member or a same-sex couple after three failed inseminations in a year, and limited to three IVF attempts per live birth. Freezing and storing embryos, eggs or sperm for future attempts, and donor eggs, sperm or embryos, are excluded. Virginia, D.C. and employer plans were not read and can differ.
“Your fertility care benefits depend on your health plan. Refer to your _Evidence of Coverage (EOC)_ for a complete description of your coverage. If you have coverage through an employer, ask for a copy of your _EOC_.”
“Infertility Services We cover the following Services for diagnosis and treatment of involuntary infertility: 1. Artificial insemination; and 2. In vitro fertilization (IVF), if:”
“c. For an unmarried Member or if the married Member and the married Member’s Spouse are of the same sex, three (3) attempts of artificial insemination over the course of one (1) year failing to result in a successful”
“Coverage for in vitro fertilization (IVF) embryo transfer cycles, including frozen embryo transfer procedure, is limited to three (3) in vitro fertilization (IVF) attempts per live birth.”
“1. Any charges associated with freezing, storage and thawing of fertilized eggs (embryos), female Member’s eggs and/or male Member’s sperm for future attempts; 2. Any charges associated with obtaining donor eggs, donor sperm or donor embryos;”
Oregon and southwest Washington
IVF rider on some plan typesOn Kaiser's 2026 large-group PPO Plus and Added Choice plans in Oregon, IVF is covered through a fertility treatment rider the employer adds, with a lifetime maximum the employer chooses. On its Traditional, Deductible, high-deductible and Kaiser Permanente Plus plans, the fertility rider adds treatment such as artificial insemination but excludes IVF. Fertility drugs need a separate drug rider, and diagnostic fertility services are covered for all members.
“This rider provides additional coverage for fertility treatment services related to conception by artificial means, including artificial insemination, in vitro fertilization (IVF), gamete intrafallopian transfer (GIFT), and zygote intrafallopian transfer (ZIFT).”
“Groups may choose from the following total lifetime benefit maximum options below:”
“Services related to conception by artificial means, such as in vitro fertilization (IVF), ovum transplants, gamete intrafallopian transfer (GIFT), and zygote intrafallopian transfer (ZIFT).”
“Kaiser Permanente’s medical benefits cover diagnostic services for fertility for all members and include consultation and evaluation of fertility status, diagnostic imaging and laboratory tests,”
Washington
IVF with an infertility riderKaiser's Washington criteria (reviewed April 7, 2026) say fertility specialist care is not a base benefit. IVF is covered only with a sterility and infertility rider that does not exclude it, within a lifetime maximum, and when the member meets the criteria, such as 12 months of trying under 35 or 6 months at 35 and over.
“Referrals to Reproductive Endocrinology and Infertility (REI) specialists and associated services are not covered as a base benefit and are only eligible for coverage when the member has a sterility and infertility (SI) rider or other evidence of coverage in their contract.”
“IVF techniques including egg retrieval, fertilization, short-term storage, implantation and associated medications, laboratory, imaging, and procedure codes are eligible for coverage when the member has an SI rider that does not specifically exclude these services, has not exceeded their lifetime maximum”
“Inability to achieve conception after frequent unprotected heterosexual intercourse lasting 12 months for members under 35 years of age or 6 months for members 35 years of age and older”
Whether your Kaiser Permanente plan covers IVF
Kaiser Permanente's policy says how it pays for IVF when a plan includes it. Three things decide whether yours does.
- 1.Your employer's choice
Most people with Kaiser Permanente coverage get it through work, and the employer picks the benefits. About 50% of employers with 500 or more workers now cover IVF.
- 2.Your plan type
A fully-insured plan follows the law of the state it is issued in. A self-funded plan, which 67% of covered US workers have, does not: it covers whatever the employer chose.
- 3.Your state's law
Some states require fully-insured plans to cover IVF, some require insurers only to offer it, and most require nothing. Your state's line is below.
What specific employers publish about their fertility benefits, including which insurer or benefit company runs them: companies that cover IVF.
Does Kaiser Permanente cover IVF in your state?
Each state's insurance law applied to a Kaiser Permanente plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
Kaiser Permanente in California
Often, on fully-insured plans: California requires some fully-insured health plans to cover IVF, and that includes Kaiser Permanente plans issued in California unless one of the law's limits or exemptions applies. New for 2026: SB 729 requires large-group fully-insured plans to cover IVF. California law and clinics
Kaiser Permanente in Colorado
Often, on fully-insured plans: Colorado requires some fully-insured health plans to cover IVF, and that includes Kaiser Permanente plans issued in Colorado unless one of the law's limits or exemptions applies. Fully-insured large-group plans must cover fertility, including IVF. Colorado law and clinics
Kaiser Permanente in District of Columbia
Often, on fully-insured plans: District of Columbia requires some fully-insured health plans to cover IVF, and that includes Kaiser Permanente plans issued in District of Columbia unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF. District of Columbia law and clinics
Kaiser Permanente in Hawaii
Often, on fully-insured plans: Hawaii requires some fully-insured health plans to cover IVF, and that includes Kaiser Permanente plans issued in Hawaii unless one of the law's limits or exemptions applies. Fully-insured plans must cover a round of IVF under set conditions. Hawaii law and clinics
Kaiser Permanente in Maryland
Often, on fully-insured plans: Maryland requires some fully-insured health plans to cover IVF, and that includes Kaiser Permanente plans issued in Maryland unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (conditions apply). Maryland law and clinics
Kaiser Permanente in Georgia
Not because of state law: Georgia does not require insurers to cover IVF, only fertility preservation for some patients, so IVF under a Kaiser Permanente plan there depends on what the employer chose. Georgia law and clinics
Kaiser Permanente in Oregon
Not because of state law: Oregon has no law requiring private plans to cover IVF, so IVF under a Kaiser Permanente plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Oregon law and clinics
Kaiser Permanente in Virginia
Not because of state law: Virginia has no law requiring private plans to cover IVF, so IVF under a Kaiser Permanente plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Virginia law and clinics
Kaiser Permanente in Washington
Not because of state law: Washington has no law requiring private plans to cover IVF, so IVF under a Kaiser Permanente plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Washington law and clinics
State laws as summarized by RESOLVE Insurance Coverage by State, read Oct 1, 2026.
How to see what your Kaiser Permanente plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Get your Evidence of Coverage (EOC), from your employer if you are covered through work, and read its fertility or infertility section: Kaiser says it is the complete description of your coverage.
- 2Call Member Services and ask whether your plan includes fertility services or an infertility rider, and its lifetime maximum. Kaiser prints 1-800-464-4000 (24 hours a day) for California members and 1-888-901-4636 (weekdays 8 a.m. to 5 p.m.) for Washington.
- 3In California, ask whether your plan is a large-group plan covered by SB 729 or, at a small business, whether your employer bought the Fertility Services benefit; Member Services can connect you with the Fertility Special Services team.
- 4In Oregon, southwest Washington or Washington, ask whether your employer added the fertility (ART) rider, and the prescription drug rider for fertility drugs.
- 5Before treatment, ask which services need prior authorization: in the Northwest some fertility services and drugs do.
Kaiser Permanente and IVF: common questions
Does Kaiser cover IVF?
Only if your plan includes it. Kaiser Permanente's fertility pages in every region say benefits depend on your plan and its Evidence of Coverage. In California, select large-group plans cover IVF under the state's SB 729 and small businesses can buy it; in Oregon, southwest Washington and Washington it takes a fertility rider the employer adds.
Does Kaiser cover IVF in California?
On select plans. Kaiser's 2026 California flyers say select plans cover fertility services in line with SB 729, which requires fully-insured large-group plans issued or renewed from January 1, 2026 to cover infertility treatment, including at least three completed egg retrievals. Small businesses can buy Kaiser's Fertility Services benefit, which covers one egg retrieval and one embryo transfer per lifetime.
Does Kaiser cover IVF in Washington state?
Only with a sterility and infertility rider. Kaiser's Washington criteria, reviewed April 7, 2026, say fertility specialist care is not a base benefit, and IVF is covered only when the member has a rider that does not exclude it, has lifetime maximum left and meets the criteria.
Does Kaiser cover IVF in Colorado?
Kaiser's Colorado page says fertility benefits depend on your plan and its Evidence of Coverage. Colorado law requires fully-insured large-group plans to cover fertility treatment, including IVF, so ask whether your plan is one of them; the Colorado line in the By state section has the details.
Does Kaiser cover IVF in Maryland?
Its 2026 Maryland individual plan does: artificial insemination and IVF for involuntary infertility, limited to three IVF attempts per live birth, with freezing for future attempts and donor eggs, sperm or embryos excluded. Maryland law requires many fully-insured plans to cover IVF; an employer's self-funded plan follows the employer's choice.
Does Kaiser cover IVF in Hawaii?
Its 2026 individual plan covers one outpatient IVF procedure per lifetime as a Kaiser member, with prior authorization, for people with a five-year history of infertility or a listed condition, or after three failed IUI cycles. IVF with donor eggs or a surrogate is excluded.
Does Kaiser cover fertility drugs?
Usually only with coverage of their own. In Oregon and southwest Washington, fertility drugs need a separate prescription drug rider; in Washington they need the infertility rider and are covered under the pharmacy benefit, with prior authorization where required.
- Fertility care (Colorado) Kaiser Permanente (Kaiser Permanente)
- Kaiser Permanente Northern California flyer: Comprehensive fertility coverage (hosted by employer LLNL) (Kaiser Permanente, June 2026)
- Kaiser Foundation Health Plan of Washington Clinical Review Criteria: Fertility Services (Kaiser Permanente, Review date 04/07/2026 (MPC); last revised 08/22/2023)
- Fertility care (Northern California) Kaiser Permanente (Kaiser Permanente)
- 2026 Oregon PPO Plus Fertility Treatment (includes Assisted Reproductive Technology services), Kaiser Foundation Health Plan of the Northwest (Kaiser Permanente, Plan year 2026 (©2025))
- DMHC All Plan Letter APL 25-021, Implementation of Senate Bill 729 (2024), revised (California Department of Managed Health Care, December 30, 2025; revised February 23, 2026; revised October 5, 2026)
- Kaiser Permanente 2026 Group Agreement Summary of Changes and Clarifications Notice (Covered California for Small Business), hosted by Covered California (Kaiser Permanente, For Effective Dates from January 1, 2026 through December 1, 2026)
- Kaiser Permanente Southern California flyer: Comprehensive fertility coverage (hosted by employer LLNL) (Kaiser Permanente, June 2026)
- Fertility care (Georgia) Kaiser Permanente (Kaiser Permanente)
- Fertility care (Hawaii) Kaiser Permanente (Kaiser Permanente)
- Kaiser Permanente Hawaii's Guide to Your Health Plan, Individuals and Families, KP HI Standard Platinum 0/10 (EOC) (Kaiser Permanente, January 2026 (plan year 2026))
- Fertility care (Maryland, Virginia, Washington D.C.) Kaiser Permanente (Kaiser Permanente)
- Kaiser Permanente for Individuals and Families Membership Agreement and Evidence of Coverage, Maryland (Guide to your 2026 benefits and services) (Kaiser Permanente, Plan year 2026 (form MD-DP-SEC3(01-26)))
- 2026 Oregon and Washington Traditional, Deductible, High-Deductible Health Plan, and Kaiser Permanente Plus Fertility Treatment (rider sell sheet), Kaiser Foundation Health Plan of the Northwest (Kaiser Permanente, Plan year 2026 (©2025))