Should my wife be on my health insurance and her health insurance?

Hi everyone, my wife (35F) and I (35M) are considering doing IVF next year in 2024. We signed up for my health insurance through my employer, which does offer coverage for IVF and egg freezing. That enrollment period has now closed and we’re both locked in.

We are wondering if she should additionally sign up for health insurance through her workplace. It would not cost any money per week in premiums (lucky her!), but her medical plan does NOT cover any IVF or egg freezing at all except for a nominal $ amount (vs. the exorbitant cost of IVF) benefit through Maven (a digital health solution partner).

Does it make more sense to only go on my insurance, forgo the small but greater-than-zero $ Maven benefit but not worry about having two insurances, one of which is her own employer which does not really cover IVF (but because it’s through her work, might be forced to become her primary insurance)?

Any advice appreciated. Thanks in advance

submitted by /u/Row199
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