Ok so you know since you are already with a private health fund, HCF will not make you wait for anything you are already covered for with your current one. You may have to wait 12 months for IVF but you may not . I did find though once we thoroughly looked through all the private health funds we found HCF the best and we used iSelect. I would do it through iSelect, you can call them up too because they are completely nonbiased PLUS you get a free flight I think atm. When I joined last year we got a 10% voucher card, totally spewing they didnt have the flights back then lol. Good Luck!