@Aniras if you have a partner - shop around for clinics .... I'm by no means an expert - I really am a novice at this whole thing - 3 cycles - none successful. I'm single and using donor sperm so its harder for me to find clinics who can accommodate me. I've just spent all my savings - and I'm just going to pull money out of my house - but I know that this is a luxury that not many have. If it doesn't work - I can at least say I've tried. Research yourself. My PHI full private cover upgrade doesn't kick in until April of next year but I still did a cycle because I just simply couldn't wait - just in case. Kicking myself for not taking full cover out sooner. Kicking myself over a lot of things actually - but its done ... just have to move forward.