I’ve already met my deductible for the year

Thats great that they cover infertility

They will only pay $20K max, but you’ll have to pay 20% of that.. so up to $4K out of pocket for you depending on what services you get. Since you met your deductible there’s no additional money out of your pocket there, unless you also have copay fees.. Also, that may not cover medications.. I would definitely call for further explanation tho.

And you have to met that deductible before they will do the 80/20

Your insurance pays 80% of the bill you pick up the 20%