In 2013 my husband and I started working with a fertility doctor and our insurance through my husbands work gave us $15k life time for fertility coverage. On Dec 26 2013 the financial person at the doctors office called our insurance company and asked if there were any changes coming for 2014. She was told no changes. Jan 13 2014 my husband and I had an appointment, lab work etc a few weeks later the financial person called me and told me our insurance company was denying all our claims for that visit saying we no longer had fertility coverage. My husband consulted his insurance info and confirmed that as of 1/1/14 we no longer were covered for fertility. He contacted the vice president of HR and was told that they did take fertility coverage out and were not going to replace it and perhaps we should go to obamacare to find the coverage we were looking for. My question is is there a way to get them to agree to add our coverage back in? I am told this company is a self insured company which seems to give them whatever control they want over the insurance policy but I also understand that they can add the fertility coverage back in if they choose. My husband has made contact with a few other couples at his work who are facing the same situation. I now have a $2.000 bill the doctor is expecting to be paid asap.