Plus, couples who have tried at-home insemination without success may have an easier time getting their insurance providers to cover procedures such as IUI or IVF in the future, Dr. Sekhon says. This is good to keep in mind if you need to pursue IVF down the road. If you tell your doctor you've tried to inseminate at home, and it's in your medical record, an insurance provider might not make you wait as long before they cover the costs of your procedures.