In a few areas, such as in vitro fertilization and mental health, insurance plans often restrict coverage.

FORBES: Married, with benefits

After trying unsuccessfully for five years to get pregnant, Ms. Barth saw in vitro fertilization as her last chance.

WSJ: In Vitro a Fertile Niche for Lenders

But creating a stem cell requires destroying embryos when they are five-day-old balls of a hundred cells, such as fertilized eggs discarded after an in vitro fertilization.

FORBES: Magazine Article

Adding iron or other nutrients to surface waters in the open ocean is a process known as Ocean Fertilization.

UNESCO: MEDIA SERVICES