I don't have a Rugby analogy for this one, but it's still important.
Short Story: Couple goes to the IVF Clinic because one of them have a challenge. The OTHER partner applies for health insurance. The applying partner is denied coverage. WTF?
Turns out, the IVF Clinic made a note for EACH of them. Ergo, when the insurance company pulled records, MIB reports, and APS' (Attending Physician Statements), then found the IVF Clinic visit.
Here's the solution: Gather YOUR medical records onto a zip drive. Hand that to the agent. (By the by, this one slipped passed me, but I corrected it, a year later. Won't happen again.)
Couples, especially with the same last name, MUST keep insurance info separate, and be incredibly meticulous regarding insurance applications.