i'm not sure what your insurance situation is like, however, a lot of insurance companies cover up to the first $25K (aetna). they basically say that you have to try on your own for 3 to 6 months, before they would cover it.

there are ways to get around this, especially if you have an "understanding" doctor. the good thing is that you are planning in advance and can find the type of insurance that you need.

"doctor, we have been trying to get pregnant for the pass year, but i think my partner (who just so happens to be a female) has zero sperm count!!"

even if your current employeer doesn't offer this coverage, you can always find other plans that will and it looks like you have enought time to do so.