we got the explanation of benefits statement from the insurance company this week for the IVF-much to our surprise, it was covered 100% instead of 50. that's $1800 we don't have to pay for this failed cycle. with the meds total, it paid for almost $13,000. P said he's never going to complain about our health coverage again-we're very thankful we have it. now that's money that may go for adoption someday.