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  1. #11
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    I'm not with Medibank but my phi is the same, only covered my EPU and anaesthetist and some meds when I did my FET. PHI also totally covered the cost of my laparoscopy, and I never would have had that procedure if not for fertility treatment. They don't need to cover much really as medicare covers so much of the costs related to IVF. However, when you're admitted to a private hospital, even just for a day procedure, the cost can be a few thousand dollars still...ivf is so expensive as it is, I'm glad I don't have that bill on top of everything else! But if you think that you would come out ahead by paying those fees instead of phi fees then it may be worth dropping your cover down. I know in my case, we use our phi a lot so it's not worth losing our top hospital cover - but you might decide it is for you.

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    fieldsofpie  (22-11-2014)

  3. #12
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    Quote Originally Posted by Jast View Post
    I changed from nib to medibank because nib has 24 month wait for ivf & obs whereas medibank is only 12 months.
    I only waited 12 months for NIB, and my EPU was literally 4 days after I'd met the 12 month waiting period.

    The only real out of pocket cost was the anaesthetist gap for lap / hysto (pre-IVF) and elective testing with no medicare coverage or gaps.

    I should probably add it all up, but it will probably be too scary.

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    fieldsofpie  (22-11-2014)

  5. #13
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    Thanks everyone for your replies, it's been really helpful

    I think this is something that women seemed to have been accepting for a while, that IVF is expensive, and that becoming a mother is a choice so therefore we just need to wear the costs. Well infertility isn't a choice, and just like having a heart attack or tonsillitis, it should still be paid for by insurance. I certainly didn't think after waiting a year to have IVF and putting off children to serve my waiting periods, that my actual IVF Procedure (the big expensive one that counts!) wouldn't be covered by Medibank. Don't see any reason to keep on paying for TOP hospital since Medibank doesn't actually "cover" IVF so there's my answer I guess. Other insurers have pregnancy cover at a lower cost and even with Medibank, I'm told that by dropping down a level the only thing I'll lose is pregnancy and IVF.

    The meds are part of pharmacy cover so is that technically IVF?

    The anaesthetist is part of the egg collection so we've established they pay for that - ok

    Besha some good points there

    Lileitak so your NIB insurance covered the bulk of your IVF costs, is that what you're saying there?

  6. #14
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    Default Has anyone ever used their Medibank cover for IVF?

    I went through 11 rounds of IVF before l got my BFP & had my beautiful daughter 7 weeks ago. I too went through Monash IVF & used my Medibank private health insurance each time. Without it l would have been up for so much more each cycle...around $2k. You would have to pay for the egg collection, anaesthetist & your specialist fees if you didn't have it.

    You will especially benefit from it if you have the cover whilst pregnant. I choose to have my baby at a private hospital (had my own room). Without the cover l would have been up for thousands as my daughter was born 6 weeks early & the cost for her stay & care alone was $1k per day!
    I had to pay nothing apart from excess which l had already paid earlier in the year. This covered my hospital stay for 1 week, my babies 2 week stay in the special care nursery, labour & delivery fees as well as the OB, anathetist & paediatrician fees. I didn't have to pay a cent, the bill would have been well over $20k if l didn't have the cover!

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    fieldsofpie  (23-11-2014)

  8. #15
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    Quote Originally Posted by sweetnic35 View Post
    I went through 11 rounds of IVF before l got my BFP & had my beautiful daughter 7 weeks ago. I too went through Monash IVF & used my Medibank private health insurance each time. Without it l would have been up for so much more each cycle...around $2k. You would have to pay for the egg collection, anaesthetist & your specialist fees if you didn't have it.

    You will especially benefit from it if you have the cover whilst pregnant. I choose to have my baby at a private hospital (had my own room). Without the cover l would have been up for thousands as my daughter was born 6 weeks early & the cost for her stay & care alone was $1k per day!
    I had to pay nothing apart from excess which l had already paid earlier in the year. This covered my hospital stay for 1 week, my babies 2 week stay in the special care nursery, labour & delivery fees as well as the OB, anathetist & paediatrician fees. I didn't have to pay a cent, the bill would have been well over $20k if l didn't have the cover!
    So sweetnic35 do you know what part of the IVF was covered at Monash? You say specialist fees? How much did you pay out of pocket for your first and subsequent cycles, did Medicare cover the procedure itself or your Medibank?

    Re your birth, You must be close to me as well, so which hospital did you use for the birth if you don't mind me asking?

  9. #16
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    Quote Originally Posted by mummymaybe View Post
    I'm the same as everyone else and only use it for pick up. However I was told if you need to be admitted to hospital due to complications such as OHSS and you don't have cover for fertility treatment it might not be covered.

    Not sure if it's true but does make sense.
    I was unlucky and got OHSS on my last cycle and admitted to hospital for a week.
    I didn't pay a cent (had top cover)

    With our first cycle we just joined Medibank and were not out of the 12 month wait and had to pay $1000 for egg pick up and $600 or $900 for the anaesthetist

    Like everyone else it only covers egg pick up and anaesthetist only (and I'm with Monash)

    If you have extras you can claim some meds

    Medicare give you rebates for IVF also it depends if you've reached your threshold and everyone would be different so best to talk to someone at medicare
    Last edited by Cevapa; 22-11-2014 at 18:03.

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    fieldsofpie  (22-11-2014)

  11. #17
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    Quote Originally Posted by lileitak View Post
    I only waited 12 months for NIB, and my EPU was literally 4 days after I'd met the 12 month waiting period.
    very interesting. I definitely wasn't covered until 24 months unless it was for ivf in a public hospital. Maybe we were coming from or going to different nib cover or maybe they changed the policies somewhere.

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    fieldsofpie  (23-11-2014)

  13. #18
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    Quote Originally Posted by fieldsofpie View Post
    Lileitak so your NIB insurance covered the bulk of your IVF costs, is that what you're saying there?
    My message wasn't clear. I meant no out of pocket outside of the standard fees (with Monash in VIC). I think we ended up paying 4,700 after Medicare / PHI.

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    fieldsofpie  (23-11-2014)

  15. #19
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    I have top cover with HCF but didn't get to claim a cent with them as all my ivf costs were incurred as an outpatient :-( kinda sucks ...

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    fieldsofpie  (23-11-2014)

  17. #20
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    Quote Originally Posted by fieldsofpie View Post
    So sweetnic35 do you know what part of the IVF was covered at Monash? You say specialist fees? How much did you pay out of pocket for your first and subsequent cycles, did Medicare cover the procedure itself or your Medibank?

    Re your birth, You must be close to me as well, so which hospital did you use for the birth if you don't mind me asking?
    My procedures in the Private Hospital were covered; egg collection & the embryo transfer. As well as the anaesthetist fee & my specialists fee to do the procedures. Can't remember the exact out of pocket fee for my first cycle but it would have been around $3k. Subsequent cycles were around $2k-$2.5k. My understanding is that Medicare only covers a small component & my private health then covered the rest,

    I had my baby at St John Of God Berwick; would highly recommend it. I even had a few issues during my pregnancy which required emergency admissions & they were brilliant as generally you would go to your local public hospital but l went there instead cause l was booked in to have my baby there. Medibank was billed each time & l didn't have to pay a cent. 😀

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    fieldsofpie  (23-11-2014)


 

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