As far as I know, IVF is offered only thorugh group insurance coverage
. We delayed seeking fertility treatment in order to get our insurance
worked out first. My husband and I formed our own husband/wife group (he owns his own business, I went to work for him, he pays employee taxes on me). Our accountant helpd us with the paperwork. After we set all of this up we applied for group coverage. We did this in order to get maternity coverage, which is otherwise unavailble in Texas.