What Health Insurance Covers In Vitro? 
Most health insurance plans do not cover In Vitro or any other infertility treatment . Most ART procedures are considered elective . Fifteen states have insurance mandates requiring some coverage for infertility . Nine of those state mandates include IVF . All the mandates are full of exceptions and loopholes . If your employer is headquartered in one of those states , your group health plan may be subject to the mandate . Your alternative is to purchase the best possible coverage for a hopeful pregnancy : primary health insurance , short term disability , and hospital indemnity . 