Fertility Insurance Coverage in
San Diego County
Understanding Your Fertility Insurance Coverage
Navigating insurance is one of the most confusing parts of starting fertility treatment. At Southern California Fertility Center, we accept many major insurance plans and offer a complimentary Verification of Benefits (VOB) so you know exactly what your plan covers before you begin. Our team will walk you through your specific benefits, explain any limitations, and help you understand your out-of-pocket costs — with clarity and compassion, every step of the way.
A note for California patients: California's fertility insurance mandate, which took effect in 2026, requires many large-group health plans to cover infertility diagnosis and treatment, including IVF. Coverage details still vary by plan and employer. See our New CA Law page →
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Insurance Carriers We Accept — Aetna, Cigna, Anthem & More
Do you accept Aetna for fertility treatment?
Yes — Southern California Fertility Center is an in-network fertility clinic that accepts Aetna. Our team will verify your specific Aetna plan's IVF and fertility treatment coverage at no cost.
Do you accept Cigna for IVF?
Yes, we work directly with Cigna. If you're searching for a fertility clinic that accepts Cigna in San Diego, our team can confirm your plan's coverage for IVF, IUI, and related treatment before you begin.
Does UnitedHealthcare cover fertility treatment at SCFC?
We're in-network with UnitedHealthcare. Coverage for IVF and fertility treatment depends on your specific plan — our complimentary Verification of Benefits will confirm exactly what's covered.
We also accept the following carriers:
- Anthem
- Blue Shield of California
- Health Net
We're also in-network with two respected San Diego health systems:
- Sharp Health Plan
- Scripps Health Plan
PPO & Fertility Benefit Networks
In addition to traditional insurance carriers, we also work with the following networks and fertility benefit managers:
MultiPlan
MultiPlan is a nationwide PPO network, not a direct insurance provider — if your insurance card shows the MultiPlan logo, it means your plan uses their network to negotiate discounted rates with providers like SCFC.
Maven
Maven is an employer-sponsored fertility benefit offered by some companies. If your employer provides Maven, you may have access to funds toward treatment, medication, and second opinions — check with your HR team to confirm your specific benefit.
WIN (WINFertility)
WIN is a fertility benefits manager that some employers and health plans use to administer fertility coverage. If your plan includes WIN, they help coordinate and manage your benefit alongside your treatment.
Frequently Asked Questions
What is a Verification of Benefits (VOB)?
A VOB is a complimentary review our team performs to confirm what your specific insurance plan covers for fertility diagnosis and treatment, so you know your costs before starting care.
Does insurance cover IVF in California?
As of January 1, 2026, many large-group California health plans are required to cover infertility treatment, including IVF — but coverage depends on your specific employer and plan type. Our team can help verify your individual benefits.
What if my plan isn't listed here?
Contact our office — we work with many plans beyond those listed, and our team can verify your specific coverage.
What happens if my treatment isn't fully covered?
For any portion of care not covered by insurance, we offer flexible financing options to help make treatment more accessible.
Is Southern California Fertility Center a fertility clinic that accepts Aetna and Cigna?
Yes, we're in-network with both Aetna and Cigna, along with several other major carriers listed above. Contact our office for a complimentary benefits check specific to your plan.