Hi Willoow and BW, Thanks for the info about the safety net thing. I've just spent some time talking to a friend who has just done her 3rd round of IUI at the same clinic and she said that she pays $680 each time and doesn't get anything back . This seems a bit strange to me and I think I'll give the clinic a call and see what they say.
Anyway I'm not going to stress about it because at the end of the day its only money and how do you put a price on having a baby???