hi, we are just beginning our journey with ivf any ideas who gives the best insurance?
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22-12-2013 20:13 #1
22-12-2013 20:50 #2
I'm with nib top cover. I picked it in case I needed IVF.
22-12-2013 21:23 #3
It all depends who you decide to go with for IVF. Different private health funds have deals with some IVF providers. For instant when we went with Genea I was with MBF, they didn't recognise Genea as a private hospital so by changing to HCF we were able to save $500 per cycle. Might not sound like much, but we did 3 cycles. So it all adds up. So, do your homework. Keep in mind that most private health insurers have a year long wait time unless you already have the same cover with a different insurer. If that makes sense? Good luck.
22-12-2013 22:06 #4
has anyone dealt with the fertility clinic in Dandenong we are not happy with monash ivf
22-12-2013 22:10 #5
Don't go with HBF. We pay over $170 a month, have gone through 3 stim cycles plus a frozen transfer this year, they have barely covered anything - I went to get the $500 anathetist fee back the other day and they won't give it to me until Medicare have sent their statement - it is covered, so why does it matter before or after?? Sorry vent over. I have been told by one of our embryologists that medibank are the best but I am not prepared to swap mid way through anything!!
Wishing you all the best
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15-03-2014 17:13 #6
I decided against private cover - I was with HCF and it was going to cost me $2000 a year to be covered for private pregnancy/maternity stuff. With the wait period of 1 yr before they would be covered. That's $4000 before I could even make a claim. My nurse at fertility clinic said private wont reimburse any amount for IUI (unless needing aneaesthetist) and only covers aneasthetist forIVF. So as above, it may only refund $500 out of a $10k IVF cycle. Do 3 cycles and cure that gives you $1500 back but you're still worse off than not having paid $2000 for insurance!
12-06-2014 05:35 #7
I'm with BUPA as I get a discount with them thru work. I have the top cover so that everything will be covered.
12-06-2014 06:04 #8
Bandit is that the fertility Centre? I go to the one in QLD. You don't need private health with them
12-06-2014 08:19 #9
We also have top cover with BUPA. So I was pretty annoyed that they don't recognise Genea as a hospital so we got next to nothing back.
Top cover doesn't always mean the best benefits unfortunately.
Me 39 DF 35
DD ICSI April 2011
DD natural November 2013
15-06-2014 07:04 #10
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