What is the best way to pay for IVF?

When you first find out you need fertility treatment, it can be overwhelming and the cost might not be on your mind. Thankfully, there are different ways you can pay for IVF, without breaking the bank.

Full fee upfront cost

When having IVF treatment and paying the upfront costs, you will still receive a refund for some of the costs from Medicare, and private health insurance if you’re covered. If you have reached the Extended Medicare Safety Net (EMSN) threshold, you’ll receive 85% of most costs eligible for Medicare reimbursement.

Some caps on refunds apply. Costs for IVF can vary, so before you choose a clinic, ask about their IVF costs and check where you are on the EMSN on your MyGov account.

Bulk billing IVF clinic

There are some clinics like IVF4family that bulk bill. This is where if you hold a Medicare card, there’s no out-of-pocket expense for IVF treatments that are covered by Medicare. There could be other minimal costs associated with IVF treatment, e.g. medications.

Bulk-billed IVF clinics, usually have criteria to get access to bulk-billed IVF. This could include age limits and limited fertility treatments.

IVF through your superannuation

It’s possible to access your superannuation for compassionate reasons, including medical treatment. If this option is suitable for you, speak to your doctor about forms to complete.

To learn more visit the Australian Taxation Office website. 

It’s also important to remember when choosing a fertility clinic, higher cost, does not mean better quality. To perform IVF in Queensland, the clinic must have accreditations with RTAC. To learn more about bulk-billed IVF with IVF4family view all the costs.