The way our plan worked for Pharmacy portion was just that the meds were not covered by the normal pharmacy benefit at all, the claim was denied, but then the cost was picked up by the fertility/ART benefit. My plan offered $7500 worth of lifetime coverage for prescription drugs as part of IVF and we blew past it in the first cycle (total cost was around $9k for meds, so $1.5k out of pocket for us). You just will want to make sure the infertility benefit will cover the pharmacy portion, if the pharmacy part of the plan itself isn't offering coverage for fertility medication.