I can't speak for your insurance policy specifically, how much they reimburse, but I can tell you that my policy with United pays out 6K for IVF (egg retrieval and transfer) - when RMA charges insurance 10K. The amount that gets deducted from your 20K benefit will be the amount that the policy pays out, not the amount that is charged. The 10K IVF charge at RMA does not include meds, monitoring, anesthesia or ICSI. That's all separate. You can call Cigna and ask them what the negotiated rates are, or call the financial people at Genesis and ask them. Also for me, all the monitoring is charged separately - it doesn't count against the infertility benefit. It sounds to me like you basically have enough for 2-3 IVF tries. Which is really great.