I have had the same health insurance for about the last 12 years. My plan gives me the choice of a PPO, HMO or Kaiser. I have always had the PPO so I wasn't limited by only going to network providers and I have been happy with it for the most part.When I first made that choice it didn't seem like there were many differences between the PPO and HMO and I never looked at them again. When open enrollment comes around every year I just stay with what I have.
Turns out this was a terrible mistake. I should have been looking in more detail at what is covered by each. I just found out a few days ago that the HMO covers infertility. I am completely shocked by this. Every doctor I have been to says my insurance doesn't cover it so I assumed that meant the umbrella plan I have, no matter which specific option I chose, just doesn't offer it. Plus, who would have thought an HMO had more coverage? Granted, I don't know exactly what it covers. It may not have helped me with IVF. But even if the testing and drugs were partially covered it would have been a huge help.
I am so mad at myself for not researching and talking to my insurance plan myself. I researched the hell out of everything else during this process. Why did I drop the ball on this part? Why did I just believe the doctor's office? I am trying not to beat myself up over it. What's done is done and can't be changed. Stressing about it isn't going to fix it.
Anyway. Lesson learned. I'm not sure why I always have to learn these things the hard way.