I have what is mandated in IL. Insurance covers all IF treatment including meds with a maximum of four IVF cycles. One transfer per retrieval is covered, so FET are not covered. (Makes no sense financially as it encourages a new fresh cycle over a frozen). My insurance will cover all medical costs of a DE cycle, but not non medical costs. Since the non medical costs are so high, we chose to skip our insurance and go with a guarantee program instead for DE. My insurance has still been covering my meds and remote monitoring costs.