I am in texas - I looked in to Aetna, and in texas they do not have coverage. When I was working I had Blue Cross HMO and it covered the same things. Now I am no longer working and I am on my husbands insurance and it doesn't cover anything!!!
I have Aetna, HMO. And I am self-employed. So far it has covered diagnostics. That is blood work, ultrasounds for an IUI, but ONLY at my Ob/Gyn. My IUI's cost me $300 out of pocket, but did not cover injectable meds. They cover only the consultation for my RE. My IVF is completely self pay and I have not found one single ins. company in my state that covers IVF for individuals.