I'm cbhs (comm bank).
They are great. As with all if them they only cover the hospital fees for egg pick up for the ivf, but you have to have ART cover.
During pregnancy they don't cover anything either as they only cover inpatient fees.
And having Sofia, I paid nothing except gap for paed and anaesthetist, I choose to have no excess or co payments.
If you can try and get your ob to push your management fee due date to January so you can have a full year on the Medicare safety net. You pay it at 20 weeks. I fell pregnant at the start of oct and my man fee was due in January anyway.