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  1. #11
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    Private health doesn't cover much

  2. #12
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    Quote Originally Posted by Apples1234 View Post
    Private health doesn't cover much
    Yeah totes agree with you!! I'm paying a truck load a month yet I think it's garbage. However I'm not going to stop!! Urgh, hate insurance. They also made me wait a year for IVF cover as they reckon it's preexisting condition. I didn't know I had a preexisting condition until I tried naturally to fall so how the fruck do they? Nearly 11 months down till I can claim IVF hospital.

  3. #13
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    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

  4. #14
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    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

  5. #15
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    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.

  6. #16
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    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


 

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