Should I Get my Own Health Insurance to Pay for IVF?

Hi. My wife and I live in Illinois and she works for a company that is based out of Minneapolis. We would like to do IVF but her company insurance does not give any benefits for IVF (since it's based out of Minneapolis).

I am currently a freelancer under her health insurance, but I have some questions in regards to this.

Should I get her to drop me from her insurance and then get my own personal BCBSIL insurance as a freelancer? Maybe that would cover IVF?

Is this idea realistic? Can my plan pay for IVF or does it have to be the female's plan that has IVF benefits? Could I add her on
Source of insurance-forums.net

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