Ivf with insurance coverage

Hazie
Anyone else in this process? Seems it really confuses things all around. Apparently cash pay for meds is 5k, but also 3x cheaper than the insurance rate. I find that confusing. Usually contracted insurance rate is lower than cash rate. Everyday we get a new call of things out of pocket. And apparently with insurance, we won't really know the exact amount charged until it actually happens. Seems odd that we can't get an exact price.
​Anyway, wondered of anyone else had this issue?