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The couple made the video last year and posted it to Indiegogoa crowdfunding website, in hopes of raising enough money to pay for fertility treatments.

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Jill Soller-Mihlek, now 33, was hoping to get pregnant via a sperm donor and intrauterine inseminationwhich can costs tens of thousands of dollars depending on how long it takes to conceive. Women 35 and older need to go through six failed attempts before meeting the clinical definition of infertility.

While the UnitedHealthcare policy tacitly acknowledges single women and same-sex couples, many policies do not.

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Some even exclude unwed women. Notably, major insurers like UnitedHealthcare often do cover insemination treatments when the issue is male infertility.

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The Soller-Mihleks say their concern is that a lesbian, by definition, is incapable of getting pregnant through heterosexual intercourse and requires medical intervention to conceive.

They say the subtext of the UnitedHealthcare policy is that a lesbian could get pregnant by having sex with a man, she just chooses not to.

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The same should be true for same-sex couples. Mason wrote in a statement.

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Aetna also uses the clinical definition of infertility to support its reimbursement policies for fertility treatments. Michener, an Aetna spokeswoman. But some experts say the policies are discriminatory.

Pizer, the law and policy project director for Lambda Legal, a gay rights advocacy organization, said that it was not clear whether gay couples could win a legal challenge against insurance companies, but that a double standard of reimbursement for straight and same-sex couples smacked of discrimination. After completing 12 unsuccessful months of intrauterine insemination, or IUI, Jill Soller-Mihlek asked UnitedHealthcare to begin reimbursing the costs of her treatment.

As it happened, a clerical error resulted in reimbursement for one treatment, but the larger request for coverage was denied on different grounds. Soller-Mihlek said the policy created a Catch for lesbian couples and single women. She received a diagnosis of endometriosisa painful disorder in which the tissue that normally lines the inside of the uterus grows outside it, and was thus eligible for insurance coverage.

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With the insurance company finally covering the costs, Ms. Soller-Mihlek underwent a 13th round of IUI treatment.

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This time it was a success, and she is now 18 weeks pregnant. For more fitness, food and wellness news, follow us on Facebook and Twitteror sign up for our newsletter.