We live in northern Cali and have not had any problems with Kaiser. Like pp have stated they cover a lot up until the actual procedures (ie IUI and IVF). We did have to move on to IVF and I think it was on the cheaper side (for IVF anyways)-12k for everything. The clinic in Fremont is awesome and I loved my dr, she was wonderful. Good luck with what ever you decide 
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Alison 
me: fine, some ovulatory problems
dh: low everything
1st IUI- 9/06
w/ clomid and HGC trigger shot- 
We decided b/c of dh sperm quality to move right to IVF/ICSI, scheduled for 1/07.
12/7/06-start Lupron
1/29/07- ER
17 eggs, 9 fertilized
2/3/07-ET
2/12-1st Beta 202 
2/14-2nd Beta 401
1st u/s- 3/6
2 sacs/heartbeats detected-WOW TWINS!! 
One boy/One girl 
Born 10/1/07, baby A born natural, baby B born emergency c-section
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