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  1. #21
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    I'm not sure what you want covered? You have top hospital cover so when you go to hospital to have your egg pick up ( which is the biggest procedure for Ivf) you are totally covered.

    Your fees for doing Ivf and coordinating the cycle etc are not covered by private health and non of them do. A standard cycle cost around 9k and you will get about 6k back from Medicare.

    It's expensive. It's bloody expensive. I have spent around 100k on 2 babies out of pocket.

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    babycake  (30-04-2015),fieldsofpie  (23-11-2014),SpotTheOcelot  (23-11-2014)

  3. #22
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    @lilypily I think she wants everything covered through private by the sounds of things

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  5. #23
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    Quote Originally Posted by lilypily View Post
    I'm not sure what you want covered? You have top hospital cover so when you go to hospital to have your egg pick up ( which is the biggest procedure for Ivf) you are totally covered.

    Your fees for doing Ivf and coordinating the cycle etc are not covered by private health and non of them do. A standard cycle cost around 9k and you will get about 6k back from Medicare.

    It's expensive. It's bloody expensive. I have spent around 100k on 2 babies out of pocket.

    Hey @lilypily, sorry about your experience. I don't have a hundred grand. I just have Medibank who told me they cover my IVF treatment. As you said though, the fees for doing IVF and coordinating are not covered by any PHI.

    @Cevapa, I just wanted to know if anyone had used their Medibank to pay for IVF, but here's what I was told recently and I'll use their words.

    13200 IVF Procedure $6,070.55 NOT COVERED
    13209 Planning and Management $400 NOT COVERED
    13251 ICSI $605.30 NOT COVERED

    And initially I'm having IUI so I'll have to pay the following

    13203 Insemination Procedure $1,380 NOT COVERED
    13209 Planning and Management $400 NOT COVERED
    13221 Semen Preparation $120 NOT COVERED
    There's an admin fee I also paid $1,750 NOT COVERED

    TOTAL $16,591 Approx. NOT COVERED for 1 IVF & 1 IUI cycle

    Here's some of the other fees associated with IVF and I'll quote directly from East Melbourne IVF

    Sperm cryopreservation (freezing) per sample NOT COVERED
    Sperm, egg and embryo storage (from six months) NOT COVERED
    Advanced Embryo Selection $2,550* NOT COVERED
    PGD Translocation $4,165 NOT COVERED
    PGD Monogenic $4,190 NOT COVERED
    Donor Sperm $750 NOT COVERED
    Donor Sperm Transport $450 NOT COVERED

    and here's what might be covered, but only if I have it at somewhere like Monash

    13212 Oocyte retrieval $354.45 MAYBE COVERED
    13215 Embryo Transfer $220.00 MAYBE COVERED

    Some theatre fees associated $1,200 for that that they'll pay me $350
    otherwise it's Medicare who covers around a third of the costs associated with IVF.

    So how can Medibank say they "cover" IVF when they don't cover IVF?

    Hope this answers your question
    Last edited by fieldsofpie; 23-11-2014 at 11:46.

  6. #24
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    Private health insurance is hospital cover not out of hospital procedure/specialist cover. I think you've misunderstood the whole concept.
    Yes infertility is not a choice and the cost is enormous but thats just how it is. Your private health insurance will cover hospital admission related fees and charges and medicare will rebate a fair chunk too.
    When you have a baby you realize you'd pay whatever they charge as its the most beautiful thing.
    My DD is ivf, 1st round fresh transfer, out of pocket only $2.5-$3k. I'd pay 10x that to have her in our lives.

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  8. #25
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    SpotTheOcelot is offline 'Only those who dare to fail greatly can ever achieve greatly.'
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    You will need to take this up with Medibank Private and possibly an Ombudsman if you feel Medibank have misled you in anyway.

    Good feedback from women here doing it tough but seems your questions are best answered by the body who advised you it was covered.

    We are lucky in many ways to have so much already covered by the system compared to other countries.

    good luck with your treatment and hope you're holding your precious bundle of love and joy soon.

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    Private health insurance generally covers "in-hospital" medical expenses so if your health fund says it will cover you for IVF it means IVF expenses incurred while you are an inpatient (ie/ some egg collection procedures) I find it disappointing but it's not misleading in my opinion

  11. #27
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    Hey thanks for your replies. Just looking for someone who could tell me if they used Medibank for their IVF and I got my answer in the first 10 replies so thanks again

    SpotTheOcelot
    You will need to take this up with Medibank Private and possibly an Ombudsman if you feel Medibank have misled you in anyway.

    @SpotTheOcelot, I did go to Medibank Private & the Ombudsman (if you read my first post) but I wasn't looking for that here, you'll see I was just asking if anyone had used their Medibank for IVF, just to clarify.


    PinkPopsicle
    Private health insurance is hospital cover not out of hospital procedure/specialist cover. I think you've misunderstood the whole concept.

    @PinkPopsicle, there are a number of specialists and out of hospital procedures covered by my PHI. For example I had surgery performed on me just last week in my periodontists office that was covered under my health insurance. But you're probably right, if someone had explained health insurance to me 2 years ago I didn't understand it the way I do now. I also had lots of conversations with Medibank over the two years and they continued to remind me that IVF was "covered".
    Last edited by fieldsofpie; 23-11-2014 at 14:36.

  12. #28
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    I agree OP it is extemely frustrating and you would think having top cover it would cover more than egg collection and anaesthetist fee. Not worth getting private cover just for IVF that's for sure.

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  14. #29
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    I guess their version of Ivf is covered and your version are two different things. Pays to read the fine print of your policy.

    I'm just glad Medicare covers what they do.

  15. #30
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    I'd say most people wouldn't know the ins and outs of IVF though before actually going through it and wouldn't realise that egg collection is only one part of the many IVF bills. Of course we are lucky to have Medicare cover as much as they do, but that's nothing to do with Medibank.

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