Private health doesn't cover much
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25-02-2016 00:21 #11
25-02-2016 07:38 #12
25-02-2016 08:18 #13
I had top private cover and got $0 back from both my ivf cycles. Not a single cent. Our egg collection is done as an outpatient under sedation not a GA so there was nothing that PHI would cover
25-02-2016 08:35 #14Senior Member
- Join Date
- Sep 2013
We have the highest level of phi but without IVF cover. They still covered my hospital inpatient costs for egg retrieval but don't contribute towards the IVF costs. I'm glad I have it for the pregnancy cover though as I see a high risk specialist OB that my fertility specialist recommends. I think they covered over $20k in private hospital fees for my sons delivery, though I was still out of pocket about $4k for the OB fees.
Medicare do rebates on IVF. A full cycle at my clinic is about $13k upfront and Medicare cover about $7-8k I think. I should be getting the new fee schedule soon
25-02-2016 11:14 #15Junior Member
- Join Date
- Feb 2016
We just had an appointment yesterday to discuss costs. We do not have private health insurance and are going through Melb IVF.
There are a few variables but total out of pocket costs after rebate (this is including hospital bed, medication, anaesthetic, etc) will be about $6,000 for our first cycle.
Assuming the first cycle with the egg collection gets several eggs, the following cycles will be about $2,000.
Other costs: egg storage is $200 every 6 months and compulsory pre-IVF appointments (counselling, nurse, finance) is $300.
28-02-2016 14:02 #16
Like others have said, PHI only covers in-hospital stuff (ie. egg collection - day surgery fee & anesthetist fee). If you're going to a low cost clinic, a lot of them do egg collection under sedation so this wouldn't apply anyway.
I'm at a low cost clinic and don't have private health. I also have a health care card so that makes some of my costs a bit cheaper too. They offer a basic package with low dose drugs, aiming for a smaller amount of better quality eggs, rather than just heaps. That's all I need cos I'm not a special/difficult case & don't need anything fancy. Cos they're getting smaller numbers of eggs, there is less chance of OHSS too. Egg collection is done under sedation at the clinic & it's not as bad as you would imagine it to be. I get panadeine forte, valium, panadol and happy gas and cope fine with it.
In the end, I couldn't justify forking out over a year of premiums (& the waiting period) and the excess, on top of the cost of the actual IVF. I can afford to do more cycles now if needed
By PrettyFabulous in forum Pregnancy & Birth General ChatReplies: 5Last Post: 01-10-2015, 18:53
By justinlisa in forum Private Health Insurance DiscussionReplies: 9Last Post: 13-06-2015, 06:36
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