Something else to consider on this topic is that not everyone who adopts is unable to have biological children. If insurance were to offer some flat fee amount of coverage toward adoption expenses, would anyone be eligible, or would you have to be clinically infertile? Would that be considered discrimination if the company offered me $5,000 toward my adoption because I can't have a bio baby, but refused to offer the same benefit to the girl in the next office who chose adoption without infertility? (I think it would, and companies would be opening themselves to discrimination lawsuits, etc.)
I'm very lucky that my health insurance offers a $10,000 infertility benefit, but that is very rare in my area of the country. Would I be thrilled if they wanted to pay $10,000 of my adoption expenses? Absolutely, but I'd still be baffled as to how that's considered a "health insurance" issue. I sure wouldn't turn down the benefit though.
I think this is why some employers offer an adoption assistance benefit. My company offers $2,500, which is considerably less than they assist with infertility expenses, but I'm still grateful to have it.
~Courtney