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Egg Freezing and IVF in California: What’s Covered By Insurance (2025)

by - 06.18.2025 | 未分类

Child hands holding

In the US in 2025, approximately 1 in 5 women of childbearing age (defined by the CDC as ages 15-49) are unable to conceive after 12 consecutive months of unprotected sex. That’s 19%, a number that’s climbed steadily over the past few decades. And while there are many complex reasons behind the rise in infertility, there are some common factors that contribute to these numbers. 

  • Delay in childbearing: Many couples and individuals delay starting their families until they achieve specific goals, such as advancing in their careers, establishing financial stability, finding a partner, and so forth.
  • Lifestyle factors: In conjunction with the rise in infertility numbers, certain lifestyle factors that may impact reproductive health are also rising. Obesity, poor nutrition, excessive alcohol usage, and recreational drugs contribute to an inability to conceive.
  • Chronic stress: For many people, stress is out of control these days, and it seems to come from all directions. Your body has a unique response to seemingly never-ending stress and this is counteractive to conception.
  • An increase in awareness: For women under the age of 35, if conception doesn’t occur naturally within one year of trying, or within six months for those over 35, you should see your doctor. This increased awareness leads to higher reported rates of infertility diagnoses and treatment. 

How Egg Quality Impacts Fertility

The biggest reason by far for female infertility is an ovulatory issue. That means you simply don’t produce eggs that are as healthy and viable as they should be. Most of the time, but not always, this is due to maternal age.

Consultation

 

When you’re born, your body has as many eggs as it will for your lifetime. These eggs number in the millions, but as you grow, the numbers decrease, and by puberty, you have around 300,000 remaining eggs. Over the reproductive years, a woman releases around 400 eggs. As menopause nears, the eggs begin to degrade as hormones fluctuate. The quantity of viable eggs falls off beginning around 35 years of age and takes a drastic tumble at age 40. 

Other circumstances and medical conditions impact the quality of your eggs as well. In addition to age, the above-mentioned lifestyle factors and chronic stress impact ovulation/egg quality. So do medical conditions that affect your ovarian reserve,  such as PCOS, endometriosis, early menopause, and autoimmune disorders, as well as treatment for some diseases like cancer.  

What You Can Do

Egg-freezing in LA is fast becoming the answer to overcoming infertility today and in the future. For those who just aren’t ready right now and wish to delay childbearing for a few years, it makes sense to preserve your eggs while they are at their healthiest and most viable. Waiting until you’re at a place where you’re ready for children may result in difficulties due to your age.

With egg-freezing and IVF, your chances for success improve. 

If you suffer from a condition that compromises egg quality and viability, such as a genetic condition or autoimmune disease, egg-freezing and IVF in California provide a path to a healthy pregnancy. Those who anticipate undergoing treatment for a medical condition that impacts their ovarian reserve or the quality of their eggs should consider egg freezing to protect their reproductive future. For so many who had no hope just a few decades ago, egg-freezing offers a means to realize their dream of having a family.

Baby hand holding

What’s Covered by Insurance at Our IVF Clinic in LA

Ultimately, the cost of egg freezing may end up as the deciding factor for many couples and individuals. Determining what you can afford, what’s covered by insurance, and where your financial responsibilities lie seems like a puzzle.  Understanding “insurance-speak” makes it all the more difficult. But egg-freezing costs and the cost of IVF in LA may not be quite as complicated as you think. 

Save your money

In California, IVF became much more accessible, thanks to a law requiring certain health insurers to cover the process. LA IVF works with several insurance companies to make your fertility treatment easy. Depending on your specific plan, your insurer may cover egg freezing as well, but expect some limitations. Also, some employers in the state may offer subsidized egg-freezing as a part of a benefits package. 

But egg-freezing is just a part of the IVF process, and this year, thanks to the new law, larger group health plans (those covering 100 or more employees) must provide coverage for diagnosis, IVF, and other treatments. According to the law, insurance companies must provide coverage without limitations or cost sharing, which differs from other coverage as laid out by the policy.

At our IVF center in Los Angeles, LA IVF, we accept the following insurances.

  • Anthem Blue Cross
  • Blue Shield
  • Aetna
  • Cigna
  • United Healthcare
  • WIN Fertility

In addition to insurance coverage, we work with two excellent companies that offer financing. 

  • Med Loan Finance
  • Future Families

Hope for Your Future Family

Our success stories offer hope to those who struggle with fertility. Our fertility clinic is a leading California center for reproductive health because of our exemplary excellence and compassion. If you’re interested in your options for egg-freezing, please get in touch with LA IVF today, and let’s get started on realizing your dream of growing a family.