Hi hon, that would be all inclusive OOP expenses. So cycle ($15,500), flights from Victoria to QLD and return, car hire, meds for me and my donor, and TESA for the husband We will get a chunk back from medicare after all that, but I basically need roughly $21K up front to get the wheels in motion. I reckon we'll be around $15K OOP once all is done and dusted. If we lived in the same state you could knock $2K off that as well.
We did change clinics too. We had to in the end because my clinic was in NSW and my donor had already exceeded her family limit there. We are going to use her preferred clinic up in QLD now
ETA: That cycle cost also includes my first transfer and all hospital/anaesthetist fees as well.