I've worked out we will be out of pocket $5950 - (but then we can claim that on tax..)

We will have to outlay about $13000, but get a whole bunch back, and that's with the new laws. We are also doing PGD - so out of the $5950, we are paying $2100 for PGD testing that doesn't receive ANY rebates of any kind. (city IVF in Brisbane)

We have downgraded our car to afford this, and if we need any more, we are lucky enough to have an investment property that we can access funds from.