Thanks everyone. I am going to give Concept a go and have an appointment with Dr Mazzucchelli next week. What attracted me to them was the speed in which I could get an appointment, the cost and the option of a repayment plan if i needed. I have no private health cover so amd hoping the Medicare safety net will help once we get to that threshold. I am so incredibly nervous as I am hoping we have made the right choice and the money worries me as things are usually tight anyway so will have to really tighten our belts now! Seems to be the way of the world at the momment.
I looked into getting private health cover but was told by all the insurance companies I would have to wait 12months before I would be qualified to claim back on my private health cover. I don't think I can wait another 12months and after asking a few questions it would appear that medicare cover a fair bit and the private health helps mainly with the hospital costs. I know Fertility North say to allow about $750 for hopsital costs, so I am hoping it is simialr with Concept. Hope I can claim some of these hospital costs on medicare also! All very confusing!
Am very nervous, and hope it works out for the best.

Thanks again for advice!