Which Health Insurance Covers In Vitro Fertilization? 
Most health insurance policies will not cover any infertility treatments of any type . Even fewer will cover IVF . Fifteen states have insurance mandates which require certain health plans to cover infertility . Nine of those state mandate include coverage for IVF . Since most of these mandates apply to group plans , the in situs state of the employer is more important than the state where you live . If your employer is headquartered in a state with an IVF mandate , then your odds are better . 