That seems crazy amounts out of pocket motherhood.

I'm talking an IVF/ICSI cycle with MIVF is $5300 and as we had reached safety net we got back about $4300. Then on top of that we had the EPU which was about $800 but we have private health so they covered all but about $300. Then you have synarel $100, which was covered through private health. So not sure if I'm forgetting something but I thought we were abotu $1600 out of pocket for 1 down reg cycle with EPU and 1 x ET.

So even if you add on PGD (I don't knwo what that is and how much) I don't get why you would not get more back? Are you sure? You are saying $5k out of pocket - what are they charging for the IVF/ICSI cycle alone as a comparrison? What exactly does your $5k out of pocket include?

If we were out of pocket $5k for 1 cycle there is no way we could be going back for another.
I have ready it is more expensive in Sydney - but it should not differ that much and medicare should rebate the same across the country.