You would see the fertility specialist as an outpatient so not covered by any type of health insurance, just medicare. for the other complementary therapies, you need to check out the fine print for each different fund. for example, my chinese therapist who I go to for a few things, used to have to put something (cant rememeber what, on my account for me to get anything back). they often have a yearly cap on those therapies too so as Kim says, you need to do your sums to make sure it is worth it.