Trish is right, your private fund doesn't cover much, although you will need them for some medications and some services (ultrasound etc) and also for your hospital visits.

Once you reach the threshold in medicare, you are covered for heaps, but its still an initial outlay.

Im with NIB and I am in top cover, that is the only cover that would cover me for the IVF stuff. Make sure you read the fine print and check and double check with your fund what you are exactly covered for, because I got caught without the right cover and was furious. It took 12 months for the right cover to come into play and by that time I had spent a fortune....

good luck with it though...