My insurance covers 50% of my infertility cost.?

My husband and I have been referred to a infertility doctor. My insurance only covers 50% of all the cost. Ive been hearing that the test and medication can become very pricey. I have Kaiser and my husband has United health coverage. My work gives me the option to have kaiser or blue cross, but If blue cross is a HMO and so is United health, could my husband and i combine our insurance and combine our fertility coverage as well ?!?

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