ktgirl
I have PHI but only for obstetrics/gynaecology not ART. I found it made about $85 difference to what I paid if I'd had ART cover per go but the increase in premium to get that coverage was not worth getting higher coverage. Most IVF clinics do most things as outpatients so that you can claim them on medicare and once you reach the safetynet - which you do with the first IVF treatement - then you get more back from medicare. All up for 2 stim cycles and 1 FET I paid out about $15k for absolutely everything (including non-claimables like accupuncture and naturopathy - I don't bother with ancillary cover) and I ended up $5k out of pocket. So it is still not a cheap exercise. There is a thread somewhere in LTAC about costs. I think Keen started it ages and ages ago. It should be a sticky.

If you are planning a family and you want PHI - there is usually a 12 month waiting period.

Good luck with your journey.