Once we depleted our 24k, DH and I purchased secondary insurance. I live in
Massachusetts and it is also the law to cover IVF. This has allowed us to continue with our IVF treatments, which has been a blessing! You should talk to your clinic and ask them which insurance works the best for the clinic and go purchase it, again, as a secondary insurance. We plan on dropping the secondary plan when we become pregnant, God willing! Good luck!