Thanx Farmgirl,

I am on the top cover with HBA and they told me that they didn't cover anything to do with IVF. I went thru Freemasons. I will have to go over want I claimed and what I didn't. My FS I claim on Medicare anyway so no problem there but I honestly can't remember about the hospital day prodecure! I will check but I am pretty sure everything was Medicare not HBA.