Secondary insurance through spouse for fertility treatments?

My open enrollment ends next week – and I am trying to decide if I need to stay on my plan, or move to my spouses – specifically for using fertility coverage.

My plan has little fertility coverage – pays 80% after meeting $2,250 deductible with a $1500/yr limit. I pay only $15/month for my insurance. Open enrollment ends May 31.

My spouses plan pays 80% after meeting $2,000 deductible with a $15,000/lifetime limit. I would be paying $85/month if I joined. Open enrollment is in October.

The tricky thing for the fertility coverage is that it is not certain that my spouses plan will cover the treatments until they review clinical notes from a doctor, whose appointment we don't have until after my open enrollment ends. There is a chance we would not receive coverage. My current thought right now is to sign up for my insurance, and go through the motions with my doctor over the summer. I will have most likely met my deductible by the end of the summer. By October, I will have had multiple appointments that would determine if I would be eligible to receive treatment under my spouses plan. If yes, should I add my spouses insurance as secondary coverage? Assuming I quickly meet my primary deductible and $1,500 yr/limit. Would that mean I have to hit another $2,000k deductible – but after that, bypass my primary provider and receive 80% coverage through secondary (up to 15k)? Or am I thinking about this incorrectly. My brain is fried!

submitted by /u/ipromiseilikegirls
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