I'm on Top Hospital with Medibank, served my waiting periods. I checked with Medibank and although they claim they cover IVF, they don't cover anything except the egg collection. And this is because it's all outpatient procedures through my clinic. I already spoke to the Ombudsman and can't really get anywhere with it.
Problem is, I can't find a fertility centre in Melbourne who admits their patients into hospital, so I'm wondering why I'm even keeping this expensive cover if I can never use it for IVF. Might as well just find a cheaper cover.
Has anyone ever used their Medibank cover for IVF?