Hi there and Welcome! I have Kaiser, and I did IUI's there. My plan also covers 50%, but some plans cover more. If you are not sure, you can call member services and they will tell you what your plan covers. First, you have to get a referral to the fertility department from your regular doctor. I don't know where you're located, but we had to attend and Art of Fertility orientation class before we could see a doctor. They talked about fertility and about how the process works in the office. They give you lab sheets to get your bloodwork done on cycle day 3 and around cycle day 21, 22, or 23. Once you do the tests, they schedule an appointment for you to meet with the doctor and go over your health history. Then you can get started. They may suggest starting on Clomid right away, but if you don't think you need that kind of help, just tell them you only want them to do the IUI's for now. If you decide to have an HSG, a test to see that your tubes are clear, be sure to find out how much it will cost you first. Mine was a lot more expensive than I thought it would be. I have heard you can get it done cheaper somewhere else. At first I wanted to do everything naturally, but when I decided I needed some help, I was glad I was already in the system. The doctor and nurses have been really sweet.
I'm not sure about the benefits you mentioned above, but you can definitely pay for IUI with flexible spending accounts. Also, depending on where you are, you may be able to find a midwife who can do IUI at home for you. If you have any questions, just let me know. Good luck!