My wife and I are going through IVF. Her employer offers a $10,000 family-building benefit through an HRA, but she’s on a high-deductible value plan. Because of that, we have to meet the IRS minimum deductible before the HRA funds are available.

The issue is—my wife rarely visits the doctor, so we’re unsure how to hit that deductible. To make things more complicated, IVF-related appointments and procedures aren’t covered by insurance, so they don’t count toward the deductible.

Has anyone dealt with something like this or found a workaround? Any advice is welcome!