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  1. #1
    Silver_Lining's Avatar
    Silver_Lining is offline Our miracle Princess due in March <3
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    Default IVF with no private health

    Hey, we are due to start IVF in March, we don't have private health, is that crazy? I find the costs so incredibly confusing (along with everything else to do with IVF) so is it going to be ridiculously more expensive without private health?
    Thank you for any help xxx

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    Quote Originally Posted by Silver_Lining View Post
    Hey, we are due to start IVF in March, we don't have private health, is that crazy? I find the costs so incredibly confusing (along with everything else to do with IVF) so is it going to be ridiculously more expensive without private health?
    Thank you for any help xxx
    Not really but depends on your clinic. Private health doesn't cover ivf treatment cycles anyway except for the in-hospital component which is generally just the egg collection procedure. At my clinic the day surgery fee for this was about $400 and my insurance excess was $500 so didn't even use it. Some clinics treat embryo transfer as an in-hospital procedure but mine didn't. Worth asking your clinic further about the fees and what you can expect back from Medicare and explain you don't have phi so what would the costs be for egg collection etc. all the best!

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    Definitely ask your clinic how they do egg collections and transfers. When I was with MIVF a long time ago they were both hospital expenses and I was covered for the full cost. Would have been out of pocket in excess of a $1000 otherwise.

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    It all depends on the costs of your clinic. I'm not covered by private health. So I had to pay for hospital admission for egg pick up and hospital admission for egg transfer. Some private health cover a portion of medications I've been told. You will find it totally overwhelming until you get thru the first cycle. Ivf is totally expensive ☹

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    Hi Silver Lining. I don't actually think Private Health covers much to do with IVF in the first place unless you have really specialised cover. I just did my first cycle (bfp) at RPA public hospital and was out of pocket $1200 only!! Definitely worth considering!

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    The main benefit to private with ivf is if u hyperstim and have to get admitted for that, otherwise it's just the egg pick up plus maybe drugs so 1600 for my day surgery pick up, Medicare paid about 5k. So the 1600 was negligible.... If u end up needing to be hospitalised though dt hyperstim then that's where it pays off....

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    Would you want to go private once you get your BFP?

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    Absolutely, would u risk a Jnr or worse s/o with an agenda to meet a certain target? ( like keeping Cs rates low at too high a cost) and private u will get s/o experienced, choices & more after birth support in hosp for bf etc....

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    My husband and I don't have private health care.
    The only difference that made was that i had to pay for my egg collection day surgery fee which was $900 +$350 for the anesthesiologist.

    My clinic dies transfers on site so there is no extra cost.

    I also recently had a hysteroscopy & DC, once again i was only out of pocket day surgery costs & the anesthesiologist.

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    We don't have private health either. At Genea we are $6k out of pocket. Plus extra I'm too scared to calculate. Also remember that you hit the MC safety net quite quickly on IVF so you will be getting more than you think back.


 

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