After we set all of this up we applied for group
coverage. We did this in order to get maternity
coverage, which is otherwise unavailble in Texas. To our delight we saw that we could select anf IVF rider. We weren't sure we would need it, but figured it was a definite possiblity, so we opted for it. It increased our premium by about 40%, but it has obviously long since paid for itself! I am so greatful we did all of this, even though it was a huge hassle.