JLR I really don't have an answer for you - I'm not familiar with your companies and I think coverage varies by state. When I was going through IF stuff I thought none of it would be covered, but all testing was covered as well as IUIs and meds. Only IVF was not covered for us. It seems like your RE's office should be a bit more familiar with what will & won't be covered. I know that my RE's office checked everything for me as far as coverage and they also told me that even if I had to go there for multiple visits in one day that it would just be 1 copay - I didn't know that tidbit of info and thought I'd never even be in that situation of being there for more than 1 appointment a day, but I was on occassion.
Do you have a copy of your explanation of benefits? If not, I'd request one from your insurance carrier -it's always nice to have to refer to.