Hi Mumma and Mumma
What an exciting journey you're about to embark on! I just had my little boy 5 weeks ago but when we went through IVF, Medicare covered about half our costs (received about $7500 back). So unless things have changed in the last 12 months your out of pocket costs are about halved and that's not including private health. I did have private health but my cover didn't include IVF so we paid about $7000-$8000.
Hope that helps! Good luck!