Some insurance policies cover in vitro fertilization (IVF) but not the additional injections that women may also need. Other plans include both. Some plans cover just a limited number of treatments. Furthermore, some insurance do not cover IVF at all. It is best to check your coverage limit and whether it includes injections or not. Women can find out if their plan covers IVF by asking their doctor or nurse when they call with an appointment for an ultrasound. The nurse or doctor will know which tests are needed to see how many eggs are available for harvesting and what type of treatment is recommended. If you don't ask, you won't know if your insurance covers IVF. The cost of IVF varies depending on the woman's age, marital status, income, health concerns, the number of embryos created, the type of procedure used, etc. Women under 35 have the best chance of success with IVF. Those over 40 may not produce as many healthy eggs as younger women. In addition, women who have had children tend to have better outcomes with IVF because they have more mature eggs to work with. Income affects everyone, even those who are able to afford expensive treatments. Women with lower incomes are likely to receive less-efficient care than those who can pay for premium services. Women with good health habits tend to have better outcomes with IVF because they have fewer problems with fertility.