Lucia,

We are with Manchester Unity and joined with them because of the cover they offered with IVF.
We have been with them for 7yrs - joined 12 months before we were ready to start IVF so we knew we'd be covered.

I did a heap of research in regards to AC and what funds covered what - I found Man Unity the best by far... I check up every now and then and still haven't found one better.

Good Luck!