Hi lovebug

Costs vary from clinic to clinic, but to give you an idea, my last collection and transfer came to just over $4000 out of pocket. The upfront costs were just over $10,000. Of the $10,000, there was about $1500 that couldn't be claimed from medicare - for accommodation, medications, and the clinics fees - so of the claimable stuff I got about 45% back.

Frozen transfers are cheaper. My last one was about $1200 out of pocket ($2800 up front)

The main thing that will make a difference is the mark up your specialist and clinic adds to the medicare rebate level for each item. For example, the big one in ivf is item 12300 (ART services - initial cycle), which medicare will refund up to $5000. My clinic charges $7000, so there's $2000 out of pocket straight away. Specialist fees make a big difference too - my last anaesthetist charged $400, and I got $100 back, whereas the previous guy only charged $200 (still $100 back)

If you need ICSI as well that will add $500 - 800 to your bill (about $500 is rebated)

Hope that helps - good luck!