It's not a matter of a specific insurance carrier covering it (I don't think). I am pretty sure it depends on your policy. Your best bet is to call your carrier and ask them. They can tell you if they cover it or not, and what you need to do. 
__________________
~Mere (35), Brian (36)
BFP #2 - 9/26/09 - EDD 02/27/2010 - It's a girl!
BFP #1 - 3/24/08 - Arrived 11/18/2008 - Alexander William
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