When referring to health insurance what consists of 'specialized studies'?

Question

I am trying to find decent health care coverage for a problem that I will be facing. I was told that I am able to visit doctors after 30 days of having the service, however, any specialized studies cannot be done until I have the plan for atleast 8 months. I need health insurance for maternity reasons. Although I am not pregnant, I am going to have to go to a fertility specialist to become that way. Is going to see fertility specialists considered 'specialized studies'? What does this mean.. studies? Any help is appreciated.

Answer 1

Most insurance plans do not cover fertility or infertility treatments (the exceptions that I am aware of are group plans ) since they fall into the category of not medically neccessary.  What does your agent say?

Answer 2

based upon your situation,I think you should find something useful here.http://health-insurance.expert-tip.info/...

Answer 3

Specialists are like the ologist guys, ie. cardiologist, gynecologist, they have specialized in a particular kind of medicine. The fertility doctor would fall under this category as well. Sorry.