My insurance has paid for nothing infertility related & im at $1,600 out of pocket so far just with doctors appointments, HSG, blood work and first round of clomid. & I have just realized if we conceive now the baby would be due in 2018. Meaning I would have to meet my deductible for 2017 and 2018. My question is..  though insurance doesn't cover anything infertility is everything I'm paying out of pocket going toward my deductive or will I be starting at $0 when I conceive?