I'm sorry to hear about your fertility clinic experience - it feels like they are still living in the stone ages.
The whole question of will they cover it, won't they cover it, will they sabotage me, won't they sabotage me is not a silly question anymore if federal protections for patients are increasingly politicized, just looking at the past few months alone. I was only able to push for certain policies in what is covered or offered at all through my provider by basically defeating their arguments with "I won't be your patient next year if the government makes it okay for you to deny me. You need to offer these services now or I will have to seek care outside your system and make it more expensive for you to care of anyways. Work with me here, I'm trying to not die."