Fertility treatment coverage & lifetime max questions

Hello!

My (age 35, family income about $100,000) Ohio health insurance Medical Mutual states it covers "up to $12,000 per covered person" as the "maximum lifetime benefit per covered person" for infertility.

Does that mean since my husband and I are both covered on the plan, that we really can have $24,000 covered total? Or does that only cover the woman actually having the procedures done? I am not sure what "maximum lifetime benefit per covered person" means–if we spend more money than that on fertility treatment, does that mean that additional spending does not even count towards our deductible? Does that mean no percentage of the fertility treatment is covered past that amount? Occasionally the employer switches the healthcare plan to another one (Anthem, UHC, etc.). If they do this for the next year, would we likely get additional fertility coverage even though we met the "lifetime max" on Medical Mutual's plan? My husband and I are both employed so maybe we can just switch to each other's insurances during open enrollment as able to obtain max coverage possible? Unfortunately our plan states no coverage for infertility prescription drugs. I guess I can check each individual med with GoodRx? Or should I call around to each pharmacy to find the cheapest ones? Any ideas are welcome.

Thank you so much for any advice, this is all so overwhelming to begin with and trying to figure out how to afford the next steps.

submitted by /u/Macaroniandcheese22
[comments]