CUDAHY, Circuit Judge.
Christine Kraft-Egert wants to bear a child; an ectopic pregnancy and occluded fallopian tube, however, have left her infertile. She has turned to modern medicine — specifically, to in vitro fertilization ("IVF") — to allow her to do artificially what she cannot do naturally. Since she cannot afford the expensive procedure, she has asked her husband's medical insurance carrier, which reimburses the company's employees and their...
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