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  1. #1
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    Default The Financial Side of IVF

    This is probably a stupid question and assuming it will depend on each individual clinic, but what are the general options for payment to the clinics. Are there payment plans? Can you pay via credit card? Have many of you had to get loans?

    We're coming up to the pointy end of our assessment cycle and will hopefully be starting our first IVF cycle with Fert North in Perth in July and just had a panic attack that Im not sure we can afford the full amount straight up!

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    We were lucky cause we found a clinic that is cheap...really cheap so that relieved our financial burden. We have to pay in stages with a payment due when we picked up our drugs then the rest is due well after transfer. All clinics work differently so I would have a chat with them about their options. Good luck.

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    Wishnhope  (22-05-2013)

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    Quote Originally Posted by bubby2010 View Post
    We were lucky cause we found a clinic that is cheap...really cheap so that relieved our financial burden.
    You say your clinic is really cheap. Do you ever worry you get what u pay for?
    That would be my worry.

    I'm not sure of the fees at my clinic (Monash IVf) as we've just started but we are in the process of selling off a managed fund to pay for the IVF.

    Hubby's family set up the trust fund when he was little and now it has enough money to hopefully pay for however many treatments we need. We're hoping to have 2-3 children through IVF. If we didn't have that to sell or some shares we would be asking our family for the money or if not that I would go back to work for a year or two and we're save that income. I'm so glad we don't have to save up the money as I'm keen to get on with it and would worry about our fertility going down hill whilst we wait.

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    Wishnhope  (22-05-2013)

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    My clinic offers payment terms. We actually sent our final bill to medicare first, they sent their cheque for their part of the payment and we paid the difference. You really need to speak to your clinic and see what options you have.

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    Wishnhope  (22-05-2013)

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    We have done several IVF cycles now. We need to pay in full on EPU date and when you pick up the meds you sign a CC release form saying that they will charge on day of EPU. We pay in full on credit card and our clinic does Medicare rebate electronically and usually get it in bank account within about 3 days. We then pay CC off in full the following month. All the best.

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    Wishnhope  (22-05-2013)

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    I paid on about 5 different credit cards!

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    Wishnhope  (22-05-2013)

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    Caketiin Which Clinic are you with?

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    Quote Originally Posted by Wishnhope View Post
    Caketiin Which Clinic are you with?
    I'm at Concept in Subiaco.

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    Quote Originally Posted by 3cats1pug View Post
    You say your clinic is really cheap. Do you ever worry you get what u pay for?
    That would be my worry.

    I'm not sure of the fees at my clinic (Monash IVf) as we've just started but we are in the process of selling off a managed fund to pay for the IVF.

    Hubby's family set up the trust fund when he was little and now it has enough money to hopefully pay for however many treatments we need. We're hoping to have 2-3 children through IVF. If we didn't have that to sell or some shares we would be asking our family for the money or if not that I would go back to work for a year or two and we're save that income. I'm so glad we don't have to save up the money as I'm keen to get on with it and would worry about our fertility going down hill whilst we wait.
    No. Bubby2010 and I attend the same clinic. We see some of Australia's top specialists and our clinic has ~40% success rate and have only been open since Feb 2012. They only treat straight forward cases so it's perfect for first timers. My total oop costs for the first cycle in a year is $1700, with subsequent cycle costing $700. I was given the exact same protocol my boutique inner city clinic was going to use leaving me $5000 oop. They have a main clinic where they refer you if they can't treat you with a straight forward antagonist cycle. The main clinic is still quite cheap at $2500 oop for the first cycle. They are amazing and I can not fault the lovely nurses.


 

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