My firm's insurance covers IVF, and a colleague of mine is sure glad it did. His 29 year old wife had unexplained infertility, and IVF worked for them -- twice. They didn't view the procedure as "elective"; they'd much rather have done things the natural way.
Yes, but do we want the insurance companies to be in the position of deciding which parents are worthy of having their extra efforts to have children funded and which ones aren't?