It is confusing isn't it? You do have it right in your last post - once your Total out of pocket reaches that threshold amount, then you will get more back on each claim after that. And it is only in a calendar year too. So you should reach it pretty quickly, if not be there already by now.
Leash, they have put a cut off amount on certain things.... IVF, IUI, Assisted Conception & Obstetrics.
Its just a flat amount of approx $500. (So as far as I understand it, no gap plus a percentage of OOP... just a flat rate).
For example, if I were to do an IVF cycle this year (say I'd passed my threshold) - before where we used to pay $6500 for a cycle, we'd get back roughly $5000. (Normal medicare gap plus 80% of OOP)
Now, regardless of what the cycle will cost us, we only get back a set amount (I think its about $482 )
So although you guys may have reached your limit, you won't necessarily get back the 80% (unless the 80% is roughly what the set amount is).. god, does any of that make sense?!
I think that is per cycle, not a once only for the year... but I really don't know for sure
Ohhhhhhhhhhhhhhhhhhhh Holly, that actually makes more sense to me, that must be what the coordinator must have been trying to explain! What a PITA! We are paying more this time around but getting back less. Last time we paid $1000 a cycle but got $800 back once we hit the threshold. Now we're paying over $2000 a cycle and probably only get $600 back (if that's what the nurse was explaining).
Hey Holly, do you know, with the ENFY tax medical expenses rebate... we had to use a donor from the USA this time. Importing the sperm ($1050 a month, for a 10mL ampuole! ) isn't able to be claimed from Medicare, but can we claim it at the end of the financial year? I haven't asked that one yet, I only just found out about the rebate thing (20% of costs over $1500?).
I'm not 100% on the EOFY tax rebate... I think you get a certain percentage back of what you've spent in general.
I don't think its exceptionally generous either - but as I understand it, its an amount thats capped as well
So even if your sperm or its 'importation' may not be covered because of medicare, chances are the costs surrounding it (like storing) may be.
If you spend enough overall in the cycle (which you will), you'll prob find that the other costs will allow you to get back the max available to claim....
I'm not 100% though, sorry!!!!
Haha thats ok, just wondering. It's all changed so much since 3 years ago! Hope it doesn't take too long, my CC will probably self-destruct after a few months...
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) isn't able to be claimed from Medicare, but can we claim it at the end of the financial year? I haven't asked that one yet, I only just found out about the rebate thing (20% of costs over $1500?).
- but as I understand it, its an amount thats capped as well
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