We are with HCF too, they seem to be the cheapest for what we need, after having this bub I will probably find out if we can cut the obstertrics/fertility cover to save money. We are using a mid to high range package I think. Paying $230 a month for family cover cant remeber how much per day hospital stay we have. We have used it for DH to have ankle surgery and physio after that and dental. I think over the last five years we are probably even on what we have paid in cover and what it would have cost us for the medical care we used up front. Bit of forced savings in a way,