Hi Lucia,

I'm with HBA - Hospital cover with excess bonus and basic extras. I have been a member long enough to be past waiting periods etc. On that level of cover they will cover the cost of the hospital for the OPI (both royal women's and freemasons if you are going through MIVF), the anethasist (bad spelling) and our FS (but we may have to make a co payment if the anethasist and FS charge more than what HBA consider the 'sceduled' fee.

HBA do not cover any of the out of hospital services, but some of those are considered as part of the medicare safety net which may help cost wise. When we went to see accounts, MIVF gave us an updated fee list which included what they estimate the cost to be taking into consideration the safety net. As far as I understand it, the safety net will differ from person to person, so it is prob just a estimation.

Hope this helps and good luck.