How Much Does IVF Cost With Private Health Insurance? 
IVF -LRB- in vitro fertilization -RRB- is not a covered medical expense with most health insurance plans . Some employer group plans may include IVF benefits and there are a few states that mandate IVF coverage for individual major medical plans . IVF is not a medical necessity which is why it is normally excluded from plan benefits . The few times I have seen IVF benefits they are usually capped around $ 10,000 -LRB- lifetime -RRB- which means any excess charges are the responsibility of the individual . 