Kt, we don't have health insurance (well my DH does, but I don't), but from what I've read, a lot of them don't cover most of the IVF costs anyway.

You should get back a fair bit from medicare though, so that's helpful.

It's a lot of money, I know. I'm pretty stressed about it myself at the moment. Couldn't have come at a worse time for us actually, with xmas and all!