1
Surrogacy Escrow: Why 100% Upfront Funding Is the Only Way to Protect Everyone
A gestational carrier is about to commit her body --- for nine months minimum --- to carrying someone else's child. She'll take hormones, undergo an embryo transfer, endure pregnancy symptoms, navi...
2
The Real Cost of IVF: Every Hidden Fee Your Clinic's Price Quote Doesn't Include
Your clinic quoted you $12,000-$15,000 for an IVF cycle. That number felt manageable --- painful, but manageable. Then the bills started arriving. Medications: $3,000-$7,000. Anesthesia: $500-$1,00...
3
IVF Insurance Coverage by State: Which States Mandate Fertility Benefits in 2026?
The most common question people ask when they learn they need IVF is not 'what does the procedure involve?' --- it's 'how am I going to pay for this?'
4
How to Find Out If Your Insurance Covers IVF: The Step-by-Step Verification Process
Before you spend $20,000 out of pocket, spend 30 minutes finding out whether your insurance covers any of it. This sounds obvious --- but a surprising number of IVF patients either assume they have...
5
SB 729: California's IVF Insurance Mandate --- What It Covers, Who Qualifies, and When Your Coverage Starts
California has more IVF clinics than any other state. It also has some of the highest out-of-pocket costs for fertility treatment --- until now.
6
Washington SB 5765: What the 2024 IVF Mandate Means for Washington State Residents
Washington state joined the ranks of the most progressive fertility insurance states when SB 5765 took effect on January 1, 2024. The law requires health plans regulated under Washington state law ...
7
Colorado SB 23-199: The 2024 IVF Insurance Mandate Explained for Colorado Residents
Colorado passed one of the most carefully designed fertility insurance mandates in the country when Governor Polis signed SB 23-199 into law in 2023. Effective January 1, 2024, the law requires ful...
8
Minnesota HF 1: What the 2024 IVF Insurance Mandate Means for Minnesota Residents
Minnesota passed sweeping reproductive health legislation in 2023 that included one of the most comprehensive fertility insurance mandates in the country. House File 1 (HF 1), signed by Governor Wa...
9
All 21 State IVF Insurance Mandates Compared: The Complete 2026 Guide
Twenty-one states plus the District of Columbia currently have laws requiring some form of insurance coverage for fertility treatment. But 'mandate' is the most misleading word in fertility insuran...
10
Kaiser Permanente IVF: What to Expect When Your HMO Covers Fertility Treatment
Kaiser Permanente is the largest integrated managed care organization in the United States --- and one of the largest providers of fertility treatment. For the millions of Americans who receive the...
11
How to Actually Use Your IVF Insurance: A Step-by-Step Claims and Authorization Guide
There is a gap between having IVF insurance coverage and successfully using it --- and it is wider than most people expect.