hey lisi, iv just started my 2nd STIM through westmead too (i went through IVF austarlia for my 1st one so all new for me too) Egg pickup should be end of nov for me. About the cost im not 100% sure about it but we are going with the no claim back option so we will be paying $1450 but get nothing back, with the claim back option i think in the long run after the medicare rebate you would prob be a few hundred better off in the end but for DH and i we just dont have $5000 at the moment so the no claim opion is best for us. I hope this helps xx