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  1. #31
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    Hi Stormgirl - as outlined in my previous post, yes PHI pay for the theatre fees for the the EPU and ET procedures. You can find out which day hospital is used for these, and ring & ask the costs.

    PHI will also pay a small amount for anaesthetist - but they don't really pay all that much for that. It's the theatre fees that are the biggest expense. Everything else for IVF has nothing to do with PHI and will not be covered.

  2. #32
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    My DH whom I really trust when it comes to money issues has done his research and HCF is what he says best when it comes to ivf and maternity package. But the waiting time is 12 months. We used HCF and are very happy with it.

  3. #33
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    I rang iselect and they said HCF would be the best for me HOWEVER when I called Medibank Private back the guy assured me that it is only a 2 month waiting period for IVF providing I have no pre-existing ailment, which technically speaking i don't right now. My fs said I have to try IUI twice before I am considered medically infertile. Medibank Private said that if that happens but it is after the two month waiting period then I will still be able to acess my cover straight away as my condition presented itself after I took out my policy.
    But I am confused as everyone is telling me that it is def a 12 month waiting list for IVF with all PHI, regardless.

  4. #34
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    Get that in writing from the medibank private guy!! And then go with them.

  5. The Following User Says Thank You to peoniesarepretty For This Useful Post:

    Izy  (27-06-2012)

  6. #35
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    I was told needing ivf is pre existing whether u knew about it or not

  7. #36
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    Yes I rang medibank back AGAIN and this time the lady said it is a grey area with what is considered pre existing (whether I knew it or not). She said it would all come down to what the specialist reported so I am guessing that if I couldn't fall pregnant after two IUI's and was deemed medically infertile then they would consider that a pre exisiting condition. Yet the guy I spoke to earlier was convinced IVF was only a 2 month waiting period! He got a little crabby when I questioned that!
    So now I have to decide between HCF and Medibank Private. HCF is slightly cheaper ($14 a fortnight which is a lot when you are already a single mum) and you don't have an excess for day stays but the lady at Medibank said that I could always try for IVF in 6 months as I COULD be lucky and be covered depending on what my specialists report would be (but she wasn't optimistic.) Also she said they will give me one month free. So now I am torn again!! I have no one to confer with or get advice from hence why I turn to this forum! I have to decide with a few days as by 1st July I will have to pay even more beacuse of my age!

  8. #37
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    Are you located in Brisbane? If so, you can see the fertility centre at springwood. They do egg pick up and transfer for ivf under sedation so you dont need phi.

  9. #38
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    Just read you are single - will you be using donor sperm? If so, the fertility centre I mentioned above don't do donor yet. There is also westmead fertility clinic in Sydney. Not sure if they do donor but they are considered public and have little cost for ivf. Some ladies actually fly down for treatment and find its cheaper after airfares than local clinics. I just wanted to give you some ivf options that don't involve phi, as this might help with your decision.

  10. #39
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    Medibank will match the one month free if you're getting hospital cover.

    Go with them, the difference of $14 will add up quickly if you're covered after 2months instead of 12.

    And take everything from iselect with a grain of salt. They only advertise the funds and individual products that they are paid to promote

  11. #40
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    WOW- medibank are going to cover IVF under Pre-existing Ailment rules...

    On the website the table lists 'obstetrics related services' but doesn't mention fertility treatments (most funds do).

    So YAY


 

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