Hi There, Im not to sure if i am in the right thread or not.

My husband and myself will be undergoing ivf - due to a genetic disorder that we dont want to pass on to our children.

We want to get started straight away, but i have been in touch will our phi (AHM) and we will not be covered intil 21 May.

I asked them if i could at least get started on the IVF, and was told that with IVF you wont be covered until that date (therefore cannot start ivf before that date - if you wish to be covered), whereas with a natural pregnancy - just as long as you dont have the baby before that date - you will be covered.

So my question is - has anyone been thru this? Does PHI really save you that much?

Thanks