11 months and no BFP.

[nothing2lose]

Hi Emma,

I don't have PHI either. My understanding is most funds don't cover specialist appointments anyway. So it doesn't make a difference. Also, all clinics are private, unless you go through the Royal Women's Reproductive Services unit. There is a waiting list though (not sure how long).

Good luck!

[Pholi]

Emma, my PHI will only contribute to the inpatient costs, eg, the anaesthetist and day surgery fees for procedures. All of the outpatient stuff isn't covered, though medicare pays for a part of many items. A good clinic will be really upfront about costs, and will be able to advise how much medicare will cover of each item.

Note that you should probably register for the medicare safety-net, and link your DH and yourself together, if you ahven't already done so. The safety net means that once you've had more than x amount of expense between you, medicare pays an extra 80% of the difference between the sheduled fee and the actual cost. And the safety net counts per calendar year, not financial year, so if you're watching the pennies, it's probably a good idea to get started in the new year, and not accrue too many expenses now.

[Maruschke]

I second the idea of starting in the new year, that way you are likely (FX) to only pay the gap once.

Unfortunately infertility is expensive. Without insurance we are out of pocket $4700 for this IVF cycle, and we have already met the safety net limit.

xoxo