Hi,
Based on my experience at my clinic (so it might be different), the final oop quoted is probably assuming you have already reached your threshold for the safety net, so you might not get quite so much back from medicare.
Also, it wouldn't include theatre, aneasthetist, doctor fees for EPU & transfer. Or any additional procedures like ICSI or whatever. Or additional meds.
Depending on your level of private health insurance, the additional cost could be minor or quite substantial.