Does Health Insurance Cover In Vitro Fertilization? 
In Vitro Fertilization is considered an elective procedure and is not covered by most health insurance plans . Nine states have insurance mandates that require certain plans issued in those states to cover at least one IVF cycle . Each mandate has different criteria for which employer plans and individual plans must comply , the number of cycles covered , and the policyholder eligibility criteria . Check the insurance laws in the headquarter states for your employer to see if a mandate applies . 