I don't have health cover and paid $2400 to IVF (this is the out of pocket amount) and because a reached the safety net, got $1600 of this back. However, I did have to pay the hospital expenses which were $650 for EPU and $200 for transfer. So, all up it cost be about $1600. I know health funds will usually cover the hospital expenses and sometimes a small part of the IVF expenses depending on the cover you have.