My insurance will not cover me for IVF with OE or DE after 40 as they deem the high FSH as "natural" aging after 40. I have coverage now for DE but it does not cover the donor compensation, agency fee if you use one, legal fees for contract with donor, donor pre-testing(to see if they are a good candidate). I am thankful for the coverage but the exclusions can still add up to $15k-$20k. I am getting laid off in 5 mos so I can't spend that much with the uncertainty of finding a new job. So we are looking for the lowest cost we can find even if not the best place.