Hi Angela,
I don't have private insurance either. My IVF cost around $8000 (through Ballarat IVF) but I have been told I will get around $5000 back on medicare (haven't been able to claim it back yet so don't know for sure). If this is right it means it will only cost $3000 and I've been told it will be only around $2,500 if I go again as I will be over the medicare safety net then. I was able to get a personal loan to pay for IVF and will put everything I get back from medicare back off the loan straight away and then pay the rest off over time.
Do you get anything back from medicare for IUI? I know when my ex girlfriend did it in 2007 it cost her $1,500 (from Albury IVF) and she wasn't able to get anything back. She was told the success rate was around 20% (whereas the success rate with IVF was 35% - so it seems better value for the cost compared to chance of success).
However I also know 2 women who have got pregnant with IUI (one even got pregnant on first attempt, the other was her 4th attempt).
Best wishes
Lori






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