My husband's insurance is my primary, mostly because they have infertility coverage. Which is to say, they cover most (but certainly not all) medical expenses related to infertility consults, monitoring, and procedures. Combined with the cost of drugs, we are still on the hook for about $6-7K per cycle after the insurance company bends the clinic over the table, or vice versa (hard to know who's taking it worse in the economics of hospital billing and insurance claims within the health care arena anymore -- although the patient in this ménage à trois never gets a courtesy reach-around). It turns out that, after careful examination of the last 6 months worth of insurance claims, my secondary insurance through my employer actually covers a limited number of infertility medical claims as well. Well, slap my ass and call me Sally. How's about that?
I called every number on the benefits website and got transferred 67 times to investigate whether I might have any specialty pharmacy coverage, or discounts that must be requested...and, no. I am signing up for some oddly vague "ParentSteps" infertility partner program that apparently negotiates discounts with clinics including mine; we'll see how it goes after I receive my handy-dandy password to sign in and navigate that likely dead end.
Here's where my detective work gets all kinds of awesome: my employer's insurance will pay for RE consults and IUI, but not for IVF or any related medical/laboratory claims. Okay, fine. But....they provide full coverage for abortion, tubal ligation, and vasectomy. ASSHOLES.