What Insurance Covers Ivf In Ohio. Aetna plans may cover diagnostic infertility services such as laboratory studies, imaging studies, biopsies, and physical examinations. However, hmos are only obligated to cover infertility treatment if it is “medically necessary.”.
In vitro fertilization (ivf) treatments: Ohio law requires hmos to provide basic health care services, which include infertility services when medically necessary. Hmo’s are exempt from the law.