Check your local laws, some states have laws that fertility preservation must be “covered” by insurance when going through treatment that could impact fertility (like starting hormones or chemo). Some healthcare providers/systems do have this down pretty smoothly and might save you some hassle. (Of course you might not be in a place that this applies, but if you are, could be a useful thing to make use of)

*Note: covered doesn’t mean free, still subject to your usual co-pay/deductible, etc.

This one exactly. But don’t lose hope, the word doesn’t really convey figuratively other than online people who mostly sound foolish trying to push buttons. It is usually used as an emphasis when someone wants to say how close to the actual literal situation things were (even if not literally the same). People who use it as “figuratively” are in decline, kind of like people that throw a fit over “moist” and as long as we keep pointing out how ridiculous they are (both moist dramatics and literal confusers) their relevance will continue to fade.