Elaine,
Do you have the brochure from QFG with all the paperwork? In it there is a sheet with the expected out of pocket costs, from memory it was (before their increase this year) around $1800 OOP with PHI for a stim cycle - not including any excess you have with your PHI. That figure does not take into account the safety net. So if you have already reached it or are part way there, you will possibly be out of pocket less. We were somewhere around $1400-$1500 OOP with our stim cycle before they had their 6% increase.

Goodluck with everything

Nic