i agree it's worth shopping around for PHI Amy - i have changed my PHI to another provider simply because they cover an unlimited number of hospital admissions for IVF related procedures - some will restrict access after a certain number of attempts. given you're not looking at doing this for 12 months, and most of them have a minimum 12 month waiting period, it's worth asking about it now. an extra couple of dollars a week is worth it when you think you have to be admitted for EPU and for transfers so you have to pay for a bed both days (for like HALF AN HOUR on ET day!! lol)