Hi ladies, as the title suggests, just wondering how many have done IVF after you've reached your Medicare safety net? And if you wouldn't mind me asking, how much different was it in price? I've found out I've reached my Medicare safety net amount & am trying to figure out when to book my first round of IVF in (end of this year or early next year). Any advice would be appreciated
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16-09-2013 14:27 #1
Price of IVF once Medicare safety net had been reached?
16-09-2013 14:38 #2
I can't remember exactly but total cost of IVF was about $10,500 for us. The big claim I sent at once was for a total of about $8500 and we got back about $5100 from that. The other $2000 were all broken up into small things and we got some money back for all of those too but I don't remember any figures. All were after we reached safety net. I don't know what we would have got for a cycle before safety net is reached as that was our first IVF cycle. Sorry it's not much but hope it helps.
16-09-2013 14:42 #3
Also, I believe safety net is calendar year, not financial. Maybe call them to confirm.
16-09-2013 15:53 #4
Thanks Best Things I just rang & yes they go on calendar years
01-10-2013 13:04 #5
Hi rocky, the amount you get back doesn't change significantly once you have reached the safety net sadly (well, it didn't for us). We have gotten a pretty standard amount back (around $5,300ish maybe a bit less - can't be certain without double checking) but the difference is minimal once the safety net is reached. The more your clinic charges the more you will be out of pocket because most of the IVF/obstetrics related claim refunds are capped. If it were me, I would wait till next year, because your first round of IVF (if you do it in January) will put you over the threshold immediately, so if that's in January, you will have 11 months of maximum rebate on all other medical expenses you have. Whereas if you go in before the end of the year, you might get an extra bit back from Medicare, but then you will have to work up to your threshold next year. That's just my opinion though lol. We did a full cycle in November last year, then waited till January this year (because we wanted a break over Christmas) and the difference in refund wasn't much, however every other claim we have had for this year for other medical appointments, scans etc has been at the maximum, so we got more benefit in the long run.
01-10-2013 13:42 #6
I was wondering the same thing so it's great to hear from someone experienced. Thanks Gilliebean1.
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01-10-2013 13:58 #7
We started IVF in Jan this year and were lucky to get preg first go,due in couple of weeks. We started seeing a specialist and getting all the tests done from august last year so I'm not entirely sure if we had hit the safety net at that stage but I think we had. We paid 10,500 for ICSi and got back 5,700 I was expecting bit more back at tax time but as we arnt 400 too much instead of getting back a additional 2,000 we got nothing. Kind of unfair as our medical expenses through Medicare totaled 17,000 last financial year. Safety net dosnt help much I don't think. Only ok thing is my Ob appointments now being 150 each visit I get about 70 back each time.
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02-10-2013 00:02 #8
Hi :-) we have completed two full cycles this year both ICSI, first one cost $7800 and we got $5500 approx back, the second one cost $8200 (inc $350 for optional embryoscope) and we got $6500 back - so an extra $1000.
Gilliebean, thanks so much you have helped me decide what to do now though I am hoping I won't have to...I am in the middle of my third TWW and had two 3d embies transferred and only have one in the freezer not feeling confident with this transfer so feel a third collection cycle is imminent but you have written makes perfect sense!!! I hadn't looked at it that way.
Baby dust to you all x
02-10-2013 12:58 #9
Everyone is different of course, that was just our way of seeing it (that and we did want a break over Christmas, our EPU would have been around Christmas day and we wanted to just enjoy the time with our family and son without stressing about IVF). The capped refunds can be a bit unfair considering how much we pay for the procedures, we had to do PGD for one cycle and then a normal cycle for the second one to get more embryos for testing, and the PGD cycle was nearly $13k and we only got the standard amount back, whereas the normal cycle was only around $9k so we were out of pocket a lot less. But being out of pocket $7-8k is a hell of a lot of money still!
Congrats clucky on your pregnancy! it does suck if you are over the threshold for tax time, you still end up being out of pocket a substantial amount even with the medicare rebate. I think all up last tax year we had spent close to $35k, about $17k OOP so we had a good tax return, but it still leaves a bit dent in the bank account! Its all worth it though when you look at your baby, its worth every cent
Rose good luck in your TWW, its the most stressful period of time! I really hope this is the last one for you and you get your little treasure. I am not sure how much your clinc charges for an FET but the hit on the bank balance isn't as bad, so if you did an FET this year it wouldnt affect your refunds too much, but yes maybe leave the full cycle until next year. I guess it depends on where you are in your journey as well, and if you do have success, your OB fees will also put you over the threshold in the new year.
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