Thanks ladies.... We have our first appt at the IVF clinic the week after next, so being fairly uninformed about the cost -vs- rebate issue, im really confused.
I will have to call my health insurance and see if the have the Gap coverage 'thingy'
Hi Kimmi,
This is a really confusing area - so good luck. We had basic extras and standard hospital cover - this did not really cover any of the IVF, with the exception of the hospital costs at the hospital when I had the egg collection - so basically the anaesthetist. What I did not realise at the time was in addition to the medicare safety net there is another tax rebate/offset if you reach another out of pocket limit for health costs that you claim when you do your tax. The details will be on the Aust Tax Office website, but basically keep all recepits for any medical expences you incurr for anyone in your family (so you and your partner) including geting pharmacy receipts for meds (need to ask the pharmasist for these, as they are not just the register receipts) - other ones are receipts for prescription glasses. Then at the end of the year if you are registered with medicare online, you can print of a medicare tax statement, and take that along with your receipts to your friendly tax agent and tell him/her to earn their money!
Hi,
When i looked into private health for our IVF/PGD we were told to get any use from it for IVF i'd need the top level of cover, which cost more in the long run than paying for the bed. Medibank actually said it would be a waist of our money to join just for the IVF.
But like the other ladies said its different for each company and person, i didnt have the added cost of an anaesthetist as Sydney IVF do the egg collections awake.
Good luck!
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