19:49 ... I am the OP. Below is a thread I started a month or so ago that explains more. In short, federal plans require you be married before IVF coverage will even be considered.
My SO and I have been trying for well over the required amount of time and have 7 failed cycles with my clinic. Yet I am still afraid that Aetna will see we were only recently married and call that not good enough. Since we are having a wedding in April regardless, we were both happy enough to make it official early and end the process with no regrets. But I'll let anyone who is interested know how it all plays out in the end.
http://www.dcurbanmom.com/jforum/posts/list/275523.page#3004245