<prompt> Human: Just found out that the stellar health insurance I pay for through my employer covers 0 of womens reproductive services. Medications and general testing are covered but iss, ivf and etc are not.Is this normal?  <response>: Not sure about all of those but I think IVF is expensive and probably not typically covered. Before my children were born and I was more informed on the subject my health insurance provider did not cover pregnancy without specifically asking for that coverage and paying extra for it. Insurance seems to be going the direction of covering catastrophic healthcare events and prevention. 