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Yikes! Good luck with the ins. battle. From what I hear deneying claims a couple of times is not an uncommon stall tactic, if your ins. says the cover IVF and you have a policy stating that I don't see what choice they have but to suck it up and pay. No, I don't have any IVF coverage unfortunately but Shared Risk is an alternative for those with no coverage. Basically you pay double what 1 cycle of IVF would cost but it covers 3 fresh & 3 frozen cycles and if you don't take home a baby after all those tries you get 70% of your money back. Not every clinic does Shared Risk though, I got lucky b/c mine just started offering it a few months ago. That'll be interesting to see which of you are right. Maybe it'll be one of each & you'll both be right. Or are the twins identical? While a surprise would be really cool, I can see why your DH would want to be prepared. I think I want to know for my first pg, but maybe make the 2nd pg a surprise. Or not! :)

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