First thing you need to make sure is that you are registered for your Medicare Safety Net. This ensures that after your out of pocket expenses in a calander year meet $1,058.70, you start to get 80% of out of pocket costs back.
At MIVF a stimulated cycle costs approximately $2,800 up front (you need to be able to cover this cost until about 2 weeks after your cycle finishes). If you have already reached your safety net, your out of pocket expenses will be approximately $670 after Medicare have applied the safety net. Not covered under this is the cost for Syneral and the admission to hospital for egg pick up, pretty much everything else is covered. The cost for the bed at Freemasons is $700 and this is where your private health insurance kicks in. You should be able to get a item number for that procedure from the accounts department at your clinic. Best thing to do is ring your health insurer and ask if they cover that item number.
You should be able to make an appointment with someone in the accounts department who will be able to run through all the costs with you as each clinic is different and I believe that MIVF is one of the cheaper ones.
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