What does i.V.F. Stand for? Is is covered by insurance or is it all self-pay?

InVitroFertilization. Coverage depends on your state. 13 states currently mandate coverage of fertility problems. Most insurances do not cover ivf. See http://attainivf.Com/ivf-insurance for states that require coverage.
Sometimes. Ivf stands for in-vitro fertilization where eggs are recovered from the body, fertilized with your partner's sperm and the resulting embryos grown in a petri disk for 3-5 days than transferred back into your uterus. 17+ states have mandated insurance coverage unless the company is privately owned and health insurance coverage depends on whether or not the employer wanted to pay for those benefits.