Between my husband and I, we have 4 different insurance companies to pick from. Thinking down the road... I'm still under 35 (by all of a year) and will need to TTC for one year before being able to go back to the RE (like with DD). My current insurer has records of my recent pregnancy/loss so in their eyes, my one year period hasn't even started yet. I'm contemplating changing insurance companies to cut that time down. I don't think records are shared so any of the other 3 companies, wouldn't know of this loss. Also we have a lifetime limit for IF coverage which basically resets which each company. Has anyone ever done this? Changed insurers to get around some of this? Obviously I hope we won't need it with #2 but this loss took a big chunk of time out of TTC a window so I need to consider other options.