Hi ladies,
I'm about to start my first IVF cycle in 3 weeks. My clinic charges $7,106 not included anesthetist, hospital stay for EPU & Transfer which will be around 2k.
I haven't yet reach Medicare safety net yet. Another $650 to go
Im so confused right now about how to calculate how much I will get back.

Cost of my IVF will be separate to 4 items. First one will be around $5,500 then 200, 900 & 500 = $7,100

1) is that mean I'll have to pay first item full cost ($ 5,500)and got rebate 80% back from the rest of the items? Or they will take $650 off 7,100 then rebate 80% back from $6,450 (7,100 - 650 )

2) any way I can reach safety net faster? I thinking to go see doctor everyday and ask for US or BT so I can reach safety net.

3) any waiting period for phi? I'm with medibank for 6 months already.

Thanks so much!