I asked at the MBP retail office about the coverage on IVF and he kinda smirked and said it doesnt pay much does it!! Bed and anaestists, it really depends on whether the clinic does procedures as an inpatient or an out patient. PHI picks up a small tab on in patient, medicare threshold does it as an out patient. I'm much happier that most of my cycle is treated as an out patient and the only part that is PHI is OPU and anaest which PHI has no gap so I never get a bill except my damm excess.