+ Reply to Thread
Results 1 to 9 of 9
  1. #1
    Join Date
    Feb 2011
    Location
    Far North QLD
    Posts
    2,188
    Thanks
    1,803
    Thanked
    1,712
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts

    Default Price of IVF once Medicare safety net had been reached?

    Hi ladies, as the title suggests, just wondering how many have done IVF after you've reached your Medicare safety net? And if you wouldn't mind me asking, how much different was it in price? I've found out I've reached my Medicare safety net amount & am trying to figure out when to book my first round of IVF in (end of this year or early next year). Any advice would be appreciated

  2. #2
    Join Date
    Oct 2012
    Location
    QLD
    Posts
    2,247
    Thanks
    441
    Thanked
    1,522
    Reviews
    3
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Awards:
    300 posts in a week - week ended 11/9/14200 Posts in a weekBusiest Member of the Week - week ended 11/9/14100 Posts in a week
    I can't remember exactly but total cost of IVF was about $10,500 for us. The big claim I sent at once was for a total of about $8500 and we got back about $5100 from that. The other $2000 were all broken up into small things and we got some money back for all of those too but I don't remember any figures. All were after we reached safety net. I don't know what we would have got for a cycle before safety net is reached as that was our first IVF cycle. Sorry it's not much but hope it helps.

  3. #3
    Join Date
    Oct 2012
    Location
    QLD
    Posts
    2,247
    Thanks
    441
    Thanked
    1,522
    Reviews
    3
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Awards:
    300 posts in a week - week ended 11/9/14200 Posts in a weekBusiest Member of the Week - week ended 11/9/14100 Posts in a week
    Also, I believe safety net is calendar year, not financial. Maybe call them to confirm.

  4. #4
    Join Date
    Feb 2011
    Location
    Far North QLD
    Posts
    2,188
    Thanks
    1,803
    Thanked
    1,712
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Thanks Best Things I just rang & yes they go on calendar years

  5. #5
    Join Date
    Jul 2009
    Location
    Sydney
    Posts
    585
    Thanks
    5
    Thanked
    81
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Hi rocky, the amount you get back doesn't change significantly once you have reached the safety net sadly (well, it didn't for us). We have gotten a pretty standard amount back (around $5,300ish maybe a bit less - can't be certain without double checking) but the difference is minimal once the safety net is reached. The more your clinic charges the more you will be out of pocket because most of the IVF/obstetrics related claim refunds are capped. If it were me, I would wait till next year, because your first round of IVF (if you do it in January) will put you over the threshold immediately, so if that's in January, you will have 11 months of maximum rebate on all other medical expenses you have. Whereas if you go in before the end of the year, you might get an extra bit back from Medicare, but then you will have to work up to your threshold next year. That's just my opinion though lol. We did a full cycle in November last year, then waited till January this year (because we wanted a break over Christmas) and the difference in refund wasn't much, however every other claim we have had for this year for other medical appointments, scans etc has been at the maximum, so we got more benefit in the long run.

  6. The Following 2 Users Say Thank You to gilliebean1 For This Useful Post:

    Rocky27  (01-10-2013),Sandra13  (01-10-2013)

  7. #6
    Join Date
    Jun 2011
    Posts
    272
    Thanks
    75
    Thanked
    126
    Reviews
    0
    I was wondering the same thing so it's great to hear from someone experienced. Thanks Gilliebean1.

  8. The Following User Says Thank You to Sandra13 For This Useful Post:

    Rocky27  (01-10-2013)

  9. #7
    Join Date
    May 2011
    Posts
    1,329
    Thanks
    74
    Thanked
    291
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    We started IVF in Jan this year and were lucky to get preg first go,due in couple of weeks. We started seeing a specialist and getting all the tests done from august last year so I'm not entirely sure if we had hit the safety net at that stage but I think we had. We paid 10,500 for ICSi and got back 5,700 I was expecting bit more back at tax time but as we arnt 400 too much instead of getting back a additional 2,000 we got nothing. Kind of unfair as our medical expenses through Medicare totaled 17,000 last financial year. Safety net dosnt help much I don't think. Only ok thing is my Ob appointments now being 150 each visit I get about 70 back each time.

  10. The Following User Says Thank You to clucky14 For This Useful Post:

    Rocky27  (01-10-2013)

  11. #8
    Join Date
    Sep 2013
    Posts
    242
    Thanks
    76
    Thanked
    90
    Reviews
    0
    Hi :-) we have completed two full cycles this year both ICSI, first one cost $7800 and we got $5500 approx back, the second one cost $8200 (inc $350 for optional embryoscope) and we got $6500 back - so an extra $1000.

    Gilliebean, thanks so much you have helped me decide what to do now though I am hoping I won't have to...I am in the middle of my third TWW and had two 3d embies transferred and only have one in the freezer not feeling confident with this transfer so feel a third collection cycle is imminent but you have written makes perfect sense!!! I hadn't looked at it that way.

    Baby dust to you all x

  12. #9
    Join Date
    Jul 2009
    Location
    Sydney
    Posts
    585
    Thanks
    5
    Thanked
    81
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Everyone is different of course, that was just our way of seeing it (that and we did want a break over Christmas, our EPU would have been around Christmas day and we wanted to just enjoy the time with our family and son without stressing about IVF). The capped refunds can be a bit unfair considering how much we pay for the procedures, we had to do PGD for one cycle and then a normal cycle for the second one to get more embryos for testing, and the PGD cycle was nearly $13k and we only got the standard amount back, whereas the normal cycle was only around $9k so we were out of pocket a lot less. But being out of pocket $7-8k is a hell of a lot of money still!

    Congrats clucky on your pregnancy! it does suck if you are over the threshold for tax time, you still end up being out of pocket a substantial amount even with the medicare rebate. I think all up last tax year we had spent close to $35k, about $17k OOP so we had a good tax return, but it still leaves a bit dent in the bank account! Its all worth it though when you look at your baby, its worth every cent

    Rose good luck in your TWW, its the most stressful period of time! I really hope this is the last one for you and you get your little treasure. I am not sure how much your clinc charges for an FET but the hit on the bank balance isn't as bad, so if you did an FET this year it wouldnt affect your refunds too much, but yes maybe leave the full cycle until next year. I guess it depends on where you are in your journey as well, and if you do have success, your OB fees will also put you over the threshold in the new year.


 

Similar Threads

  1. I've reached breaking point!!
    By Bennos Mummy in forum Single Parents
    Replies: 14
    Last Post: 03-04-2013, 21:28
  2. I reached my goal!
    By Hamilicious in forum Celebrate breastfeeding
    Replies: 3
    Last Post: 20-11-2012, 19:11

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
free weekly newsletters | sign up now!
who are these people who write great posts? meet our hubbub authors!
Learn how you can contribute to the hubbub!

reviews
learn how you can become a reviewer!

competitions

forum - chatting now
christmas gift guidesee all Red Stocking
BAE The Label
Versatile, premium maternity wear that you will love throughout pregnancy and long after. Cleverly designed for for all stages of motherhood so that you can 'Just be you (+1)'.
sales & new stuffsee all
Pea Pods
Buy 2 Award Winning Pea Pods Reusable One Size Nappies for only $38 (in your choice of colours) and receive a FREE roll of Bamboo Liners. Don't miss out, we don't usually have discounts on the nappies, so grab this special offer!
Special Offer! Save $12
featured supporter
Mini Maestros
Nurturing Confident Learners. Mini Maestros offers music classes for children 6 months to 5 years of age. It is the longest running and most successful Australian business of its kind.
gotcha
X

Pregnant for the first-time?

Not sure where to start? We can help!

Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!