Hi,
When i looked into private health for our IVF/PGD we were told to get any use from it for IVF i'd need the top level of cover, which cost more in the long run than paying for the bed. Medibank actually said it would be a waist of our money to join just for the IVF.
But like the other ladies said its different for each company and person, i didnt have the added cost of an anaesthetist as Sydney IVF do the egg collections awake.
Good luck!