Hi Jojoy

I don't know much about Concept, but I am going to Fertility North at Joondalup and have been going there for 12 months. I can not fault them at all. The nurses there are so helpful and lovely to deal with. I can only reccomend them.
Most of the costs are up front, but are covered by medicare. The only time I have had to use my private health insurance was when I had the theatre and hospital fees for the egg retrival, for IVF.
Good luck with your searching for the right clinic, and I hope everything goes great for you.

Lianne