Hi Smiles,
I feel your frustration - it is really hard to find out what the cost is as different clinics include different things so you cant compare them just on price - you really need to dig a bit deeper and make sure that all councilling, meds, etc are covered or if they are not, how much do they cost. Other things you will need to consider is the storage fee for embryos (about $90 every 6 months).

We are with MIVF, and they will send you out a price list if you ring them (before you are a patient), as anney said, ask for accounts as they are the people that know. Albury Reproductive Services have their price list on the web - if you do a search it should come up.

MIVF prices roughly are - new patient fee $230 (once off payment no rebate from medicare), stim IVF cycle $2150 (includes meds except pill and Lucrin, includes scans, excludes bed costs for Ovum pick ups, but that is sometimes covered by health insurance and for MIVF is approx $700 for Freemasons hosp or $300 for Royal Womens), thaw cycle $1035. You pay the fees up front at the start of the cycle(they are out of pocket expenses effectively). I do not know if you can pay in installments as they really only have the lump sum option stated, but it may be worth asking the accounts area when you call for a price list. They may have some system in place for people that will find it difficult to pay up front - I'm just not sure. The up front payments are the difference between what the clinic charges, and the medicare rebate for the different treatments (or 'items' in medicare speak). If you are eligible for the medicare safety net, then you will get a rebate back from medicare after your cycle. MIVF suggest that this then makes the Stim cycle cost go from $2150 down to $732.32 and a thaw cycle from $1035 to $207. I think that this will vary person to person though.

It is also worth asking what happens if a cycle is canceled, as I think you only get part, if any, of the out of pocket amount held over to be used for a subsequent cycle - but pls check that as I could very easily be wrong.

Good luck