May - We are close in age - I'm 32. Your really going to have to call your insurance to find out what is covered but I can tell you for sure that your blood work should def be covered at least. And I believe most diagnosis stuff is covered - it's the treatments itself that will not be covered!! For me personally, I have to pay a little bit of the blood work (like $20 or so for each test done). Insurance only covers a small portion of the Ultrasounds for me til I meet my deductible of $3,500. But my US was $273 - I have to pay $216 then once I meet my deductible I would have to pay $50 for the Ultrasounds. It's all very confusing. As of right now, my appt are covered for $25 as my OBGYN codes it as issues with Ovulation - if he codes it as Infertility then I would have to pay 100% of the costs. Which I am assuming I will have to start once I see the RE/FS bc I doubt they will code it so it is covered... I am doubting the SA will be covered as it is associated with fertility and our coverage pays 0% of fertility. I am assuming it will cost about $300. But a few states - like 9 or something - mandates that insurance has to cover some sort of fertility related issues and I believe NY is one of them so you should have better coverage than I in NC. I found the info on the RESOLVE website a while back - if you want to poke around there and find it. There's tons of great info on that website about lots of stuff!!