What Health Insurance Covers Artificial Insemination? 
Most health insurance plans will not cover artificial insemination , or any other infertility treatment . These procedures are considered elective . Sixteen states have mandates requiring plans to cover certain infertility treatments . Each state law is different . The laws primarily apply to group health plans issued in the state . If your employer is headquartered in a mandate state that includes artificial insemination , there is a possibility AI is covered . 