I didn't bother with IUI, just TI, because TI was 100% covered under the standard plan. I think in the past some clinics will proceed as TI and if you need an emergency IUI just charge you a surcharge for the IUI conversion rather than billing it to insurance. YMMV.

According to the 2020 brochure, it seems like IUI is totally covered under the HDHP (after your deductible is paid), but only 50% covered under the Standard plan. Do most people go with the Standard plan because the annual IUI costs shouldn't exceed the deductible amount?