We made the switch to Manchester Unity - but only recently and they have yet to be put to the test (still in the waiting period because we had PHI cover but not with Assisted Conception cover). I think Hollybolly is with them as well.
Ooh bec! Did you know that before hand or after?
We are yet to claim our cycle with our PHI (Westfund) though as far as I know they paid the bed fees for pick up and transfer and some of the anaethethist (not sure how much, didn't get the full bill)
Nic and Bec,
PHI is only allowed to cover expenses incurred while admitted to hospital ie. they are not allowed to cover the amount you pay to your IVF clinic as that is not a hospital admission. If you have extras cover you might be able to claim some drug expenses. all PHI companys that say they cover IVF would give you the same amount back, it wuold only be the waiting period that would vary.
Anney, that would mean if I wanted to claim any drugs that the clinic would need to do up an invoice for whatever drugs I was taking for me to claim from my PHI?
I was told on 2 seperate occassions that we were covered for IVF, plus our bed fees and they told me to try and get the clinic to bill them first so we could pay the difference?? I even took the item numbers into our PHI and got them to ring me back with the amounts we would be paid, but maybe that was medicare they were talking about?
I have seen posts that girls are covered in full for one Stim cycle a year from certain PHI, I'm going to do my homework. I understand that only in hospital procedures are covered, and as we all know the medicare safety net covers the rest anyway it would be like double dipping. My man at our retail store..lol over the years we are "friends" laughed at me when I said soooo I will be expecting a nice return because of my IVF bill, he told me that he may get $40 back.
If you were to ask me what DD cost me, I have no idea but 4 stims and 15 FET's, 3 preg, 3 delieverys, about 10 weeks in hospital, a high risk doctor, a c-sect, surgery whilst pregnant, 15 weeks of pessaries, DD in SCN a paed there a paed here ..a hospital transfer oh and that is only whilst she was just born.......I am happy with MBP. If I never spend another day in hospital...I'm sure I owe them.
We are with Medibank and they paid the $1400 hospital fee, with us footing the $200 excess. They also pay for a percentage of DW's drugs like the pessaries and so on.
The PHI thing is totally over my head and DW does all of that. I know we used to be with MBF and they turned out to be crappy for some reason - can't recall why. I may have metioned this before because I am getting serious deja vu.
Our two boxes of Crinone were worked into our $5500 payment.,
My mum picked up 2 boxes of pessaries for me today totalling $100.10, and they gave her an invoice/receipt, whatever it is, so will try and claim that one tomorrow.
I can claim our travel if we had an out patient service and claim some accommodation if we had an in patinet service! How silly is that.
Anyway, will see what happens tomorrow I suppose
Dee, Do you have the QFG price list?
I went to brissie, so wouldn't be able to help you out with the cost for Lance but could give you the other QFG prices
Standard IVF cycle is $5500. If you are having an IVF/ICSI cycle the price is $5880
We just claimed this from medicare and already had a little money contributed to our safety net balance so got back a couple of hundred dollars more than we thought we would, somewhere just over $4100. They tell you that you need to be able to carry this cost for around a month as they don't send out the proper invoice/receipt with the medicare item numbers until after you've had pick up and transfer.
There is a registration fee which is $185, and is not claimable from medicare, so be sure to keep the receipt to claim at the end of the financial year.
If using donor sperm, the registration fee goes up to $485, don't know why it's dearer though? We paid the reg. fee then had our nurse interview over the phone as we are too far away.
Embryo Storage is $150 every 6 months and the first 6 months is included in the $5500 payment.
Progesterone pessaries are $45 for 15 and
Crinone is $180 for a box 15. Our nurse told us that we would get 2 free packets of each of these after transfer, but we only got the 2 boxes of Crinone. Have just needed to get 2 more boxes of the pessaries and we were charged $100.10 for the 2. It says if you get a postive test they may continue you on the pessaries up till week 11. I took the receipt to our health insurance and got $50 back from the $100.
QFG Day Theatre fees are $795 for IVF and $240 for Embryo Transfer, obviously billed straight to your Health Insurance.
Anaethetist fees are approximately $500. Though it says it can vary considerably. We were lucky enough that the anaethetist who saw me billed our PHI and medicare and sent a bill for just our out of pocket costs which came to $129.
Doctor's fees for pick up and transfer are approximately $680. this bill i haven't received yet as we were seeing dr khoo in rockhampton for our scans and picking up our injections and went to brissie for pick up and transfer.
If you go onto a frozen transfer, it is $1395 and the medicare rebate is $567.80.
Hope I haven't confused you too much Dee. I found it rather confusing when I got all the paperwork originally, but our nurse went through every piece of paper with us, in the pack.
If you have any other questions, I'll gladly try to answer them for you
thanks nic it is a lot to take in at once but at least it gives us a bit of a guide to go by i'm sure it will get clearer as we go along. we have our blood tests and sperm count next week and then we dont see lance untill early february so that gives me a bit of time to get my head around it all but hears hoping that it all goes well. thanks for all the information i really appreciate that you took the time to get it all back to me.
Melanie, it really depends which clinic you intend to use as to what the costs may be.
It sounds like clomid is working for you from a technical perspective. Perhaps you should talk with your doctor or FS and see if you should stay with it for a bit longer? It's not uncommon to have multiple m/c's and go on to have a happy and healthy little'un.
dee, Just wanted to drop back in to let you know that I got our QFG newsletter the other day and there will be a slight increase in prices as of Nov/Dec this year. It didn't say how much of a slight increase there would be though.
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