Hi Jojoy, I have been to Concept and have always found them to be very helpful and easy to talk to and deal with. You don't have to pay upfront at Concept (unless this has changed in the last five months), but get the account after any procedures are done. You can then claim from Medicare either before or after you pay the account and once you reach the safetynet, I think that you get approx. 80% back. We also have private health which does help cover any in hospital expenses, ie for egg collection. There are a few other clinics in Perth, Fertility North in Joondalup, I have heard good things about one of the Doctors - Margo Norman, google them and you can just get info from their website. There is also Fertility Specialists of WA, Pivet and Hollywood IVF. Fertility Specialists of WA and Hollywood seem to be a litle more expensive than the others. There are a few other threads here in BB that give more info on some of these clinics. Do a google search on them all and this should help give you some more stuff on them. I guess it does also depend on where you are located in Perth, ie if you are South of the River you don't really want to be travelling to Joondalup - IYKWIM.

I hope that I have been of some help to you, please let me know if you have any questions or anything at all. Good luck with your TTC journey.