Fertility costs can be complex. What you pay depends on the treatment you need, your Medicare rebates, your private health cover and where you are in the calendar year.
Every fertility journey is different, so not everyone will need every step below. Your Fertility Specialist will give you a personalised estimate after your first consultation.
Call one of our patient enquiry team members to understand more about costs ahead of your first consultation, or before you choose your clinic.
Fertility care happens in stages, from preconception health through to testing, treatment and egg or embryo freezing. Not all intending parents will need to go through every stage. Select a stage to see estimated out-of-pocket costs, the Medicare items that apply, and what is and isn’t included.
| Stage | Who it’s for | What’s involved |
|---|---|---|
| 01. Preconception health | Anyone planning a pregnancy | Fertility assessment, first consultation and ovulation tracking |
| 02. Fertility testing | Anyone wanting to understand their fertility | Tests based on your Fertility Specialist’s recommendation |
| 03. Fertility treatment | Anyone who needs a little extra help – your path may be simpler than you think, many people don’t need IVF | Ovulation induction (OI), intra-uterine insemination (IUI), in-vitro fertilisation (IVF) and intracytoplasmic sperm injection (ICSI), frozen embryo transfer (FET) and donor cycles |
| 04. Freezing and storage | Those preserving fertility or storing embryos | Egg, sperm and embryo freezing and storage |
A fertility assessment gives you and your Fertility Specialist a clear picture of your baseline fertility health, so you only go on to the tests and treatment you need.
At Fertility First, we start with a comprehensive fertility assessment and work on optimising your natural fertility.
| Service | Estimated out of pocket | Upfront cost before applicable rebates are applied |
|---|---|---|
| Initial specialist consultation | $271.60 | $360 |
| Follow-up specialist consultation | $145.55 | $190 |
| Ovulation tracking | $0 for 2 cycles | 2 cycles free |
Your fertility assessment is bulk billed, so there are no out-of-pocket costs if you have a Medicare card. A valid GP referral is required.
Your Fertility Specialist will recommend tests based on your history, so you have the information you need to plan your next steps.
Your Fertility Specialist will recommend the tests you need based on your history. Here is how Medicare rebates apply:
| Test | Estimated out of pocket | Upfront cost before applicable rebates are applied |
|---|---|---|
| Genetic carrier screening (CF, SMA, FXS)MBS item no. 73451 and 73452 | $0 | Free with Medicare and a referral from Dr Anne Clark |
| Expanded carrier screening, single test*Paid directly to Genomic | $699 | $699 |
| Expanded carrier screening, couple test*Paid directly to Genomic | $1,350 | $1,350 |
*Patients pay Genomic directly for expanded carrier screening.
| Test | Estimated out of pocket | Upfront cost before applicable rebates are applied |
|---|---|---|
| Sperm antibodiesMBS item no. 73525 | $34.65 | $60 |
| Semen analysisMBS item no. 73523 | $92.70 | $130 |
| Halosperm assayNo Medicare rebate | $170 | $170 |
| Hyaluronan binding assay (HBA)No Medicare rebate | $110 | $110 |
| Retrograde analysisMBS item no. 66659 and 66660 | $92.70 | $130 |
| Post vasectomy analysisMBS item no. 73523 | $92.70 | $130 |
Many people need simpler treatment, not IVF. Your Fertility Specialist will recommend the option that’s right for you.
Medication to help you ovulate, with cycle monitoring.
| Treatment | Estimated out of pocket* | Upfront cost before applicable rebates are applied |
|---|---|---|
| Ovulation induction (OI)No Medicare rebate | $750 | $750 |
Sperm is placed directly into the uterus around ovulation, including with donor sperm.
| Treatment | Estimated out of pocket* | Upfront cost before applicable rebates are applied |
|---|---|---|
| IUIMBS item no. 13203 and 13221 | $2,618.35 | $3,250 |
| IUI with donor sperm (IUI/DI)MBS item no. 13209 and 13203 | $5,528.35 | $6,160 |
Eggs are collected and fertilised in our lab, and an embryo is transferred to the uterus. ICSI injects a single sperm into each egg.
| Treatment | Estimated out of pocket* | Upfront cost before applicable rebates are applied |
|---|---|---|
| IVF, first cycle in a calendar yearMBS item no. 13200 | $6,331.55 | $12,650 |
| IVF, subsequent cycleMBS item no. 13201 | $5,615.50 | $12,650 |
| IVF including ICSI, first cycle in a calendar yearMBS item no. 13200 and 13251 | $7,369.75 | $14,250 |
| IVF including ICSI, subsequent cycleMBS item no. 13201 and 13251 | $6,653.70 | $14,250 |
Transferring an embryo frozen in a previous cycle.
| Treatment | Estimated out of pocket* | Upfront cost before applicable rebates are applied |
|---|---|---|
| Frozen embryo transfer (FET)MBS item no. 13218 | $2,951.95 | $4,860 |
Treatment using donated eggs. Only needed for some patients, not part of a typical IVF cycle
For donor egg and donor sperm options through our local donor program and third-party providers, visit our donor egg and donor sperm page.
| Treatment | Estimated out of pocket* | Upfront cost before applicable rebates are applied |
|---|---|---|
| Donor oocyte (egg) cycleMBS item no. 13221 | $6,936.95 | $8,845 |
Depending on your treatment, you may also need to pay for:
| Item | Description | Cost |
|---|---|---|
| Specialist consultations | Initial appointments with your Fertility Specialist before treatment Follow-up appointments with your Fertility Specialist |
$360 ($271.60 after Medicare rebate) $190 ($145.55 after Medicare rebate) |
| Day hospital fees | Day surgery costs for egg collection, depending on your level of private health cover | Depends on your cover, see below |
| Anaesthetist fees | Charged separately when a general anaesthetic is required | Approx. $750 |
| Medications | Dispensed by pharmacies independent of Fertility First | Varies depending on the cycle |
| Donor sperm (per cycle) | The cost of donor sperm for each treatment cycle | $2,910 |
| Donor admin fee (sperm) | Administration for treatment with donor sperm | $1,000 |
| Donor admin fee (eggs) | Administration for treatment with donor eggs | $1,000 |
| Allocation fee, donor sperm | Allocating donor sperm to your treatment | $300 |
Your health fund affects your day hospital and anaesthetist costs. Your cycle fee and Medicare rebate stay the same whether or not you’re insured.
Freezing eggs, sperm or embryos gives you more flexibility around timing, whether you’re planning ahead or preserving your fertility before medical treatment.
Freezing your eggs for later, for personal or medical reasons.
| Service | Estimated out of pocket | Upfront cost before applicable rebates are applied |
|---|---|---|
| Elective egg freezing cycleNo Medicare rebate | $5,350 | $5,350 |
| Oocyte (egg) vitrificationNo Medicare rebate | $700 | $700 |
| Medical egg freezing, first cycle in a calendar yearMBS item no. 13200 | $5,946.05 | $12,090 |
| Medical egg freezing, subsequent cycleMBS item no. 13201 | $5,230 | $12,090 |
If you need to freeze your eggs for medical reasons, such as before cancer treatment, Medicare rebates may apply. Please speak with our administration team about your eligibility.
Freezing sperm for future treatment. Only needed for some patients, not part of a typical IVF cycle
| Service | Estimated out of pocket | Upfront cost before applicable rebates are applied |
|---|---|---|
| Sperm freezing (includes 6 months storage)No Medicare rebate | $530 | $530 |
Freezing embryos from an IVF cycle for a future transfer.
| Service | Estimated out of pocket | Upfront cost before applicable rebates are applied |
|---|---|---|
| Embryo vitrificationNo Medicare rebate | $700 | $700 |
Ongoing storage of your embryos, eggs or sperm.
| Service | Estimated out of pocket | Upfront cost before applicable rebates are applied |
|---|---|---|
| Embryo, oocyte and sperm storage (per 6 months)No Medicare rebate | $330 | $330 |
Note: All embryo transfers and IUI treatments are performed onsite at our clinic, so there will be no additional hidden costs.
*Out-of-pocket estimates are shown separately for your first cycle and subsequent cycles in the same calendar year, as the Extended Medicare Safety Net (EMSN) usually increases your Medicare rebate once your out-of-pocket costs for the year reach the threshold ($2,699.10 in 2026). Estimates assume you have Medicare and private health insurance. Not all services attract a Medicare rebate, and your final costs will depend on your individual circumstances.
†Total upfront cost is the gap you pay at the time of treatment, after your Medicare (MBS) rebate and before any Extended Medicare Safety Net rebate is paid back to you.
Cycle fees are not inclusive of day hospital procedure fees, specialist consultations or any medication you may require. Day surgery is subject to your level of health cover. Our administration team can give you details of your specific treatment fees and take you through our financial consent forms before you start treatment.
Fees current as of 12 October 2026. Prices are a guide only and subject to change.
Fertility clinics often set out their pricing in different ways. These questions will help you understand your total out-of-pocket cost for your personalised treatment. If you have any questions, call us on 02 9586 3311.
Total upfront cost
The gap you pay at the time of treatment, after your Medicare rebate and before any Extended Medicare Safety Net rebate is paid back to you.
Once you reach a certain amount of medical expenses in a calendar year, the Medicare Safety Net may provide higher rebates, meaning you pay less. The Medicare Safety Net threshold for 2026 is $2,699.10. This is why later cycles in the same calendar year often cost less.
For any questions about whether you have reached your Medicare Safety Net and are eligible for further rebates, please contact Medicare on 132 011.
The Medicare Benefits Schedule lists the value of each medical service as defined by the Australian Government. The Medicare rebate is the proportion of the fee paid by Medicare on your behalf. This is usually 85% of the scheduled fee for outpatient services, and 75% for inpatient services.
To claim your full entitlements from Medicare you must have a current referral, which allows you to claim on your consultations and treatment cycles.
Medicare has been unable to keep up with the rising costs of medical services across all fields, including reproductive medicine. To continue providing sustainable, high-quality fertility care, we sometimes need to charge above the Medicare Benefits Schedule, resulting in the out-of-pocket costs estimated above.
The Medicare system can be confusing to navigate. If you have specific questions about the costs of your fertility treatment, we encourage you to talk to us or visit Medicare.
If you’re admitted to a day hospital for a procedure such as egg collection or a laparoscopy, private hospital cover that includes assisted reproductive services can help with two parts of the cost:
Private health insurance doesn’t cover your IVF cycle fee, monitoring or consultations. These are out-of-hospital services covered by Medicare rebates instead.
Before starting treatment, call your health fund and ask about item numbers 13212 (egg collection) and 13215 (embryo transfer). Check whether you’ve served your waiting period, usually 12 months, and whether you have an excess.
Most fertility medications are subsidised under the PBS, so you’ll pay the standard PBS price at the pharmacy. Some extras policies offer a small benefit for medications not on the PBS, so it’s worth asking your fund.
Fertility First is an eligible provider for the NSW Government’s Affordable IVF Initiative, so if you live in NSW you may be able to claim:
Our team can complete the declaration form you need, then you apply online through Service NSW.
Before you start: Our administration team will give you a personalised estimate of your fees and take you through our financial consent forms before treatment begins.
Consultations and tests: Paid on the day of the consultation
Your cycle fee: When you pay depends on your treatment.
Your Medicare rebate: We’ll lodge your claim with Medicare on the day of your treatment, and your rebate will be paid into your bank account, usually within 5-10 business days.
Day hospital fees: Paid to the hospital on the day of your procedure. If you’re insured, you only pay your excess or any gap.
Payment methods: Accepting all payment methods including credit card or bank account. Payment plans and super are also available through Humm90, SuperCare and Access My Super. If you need more than one IVF cycle, our In This Together program may also help reduce your costs.
If your cycle doesn’t go ahead: Cancellation fees may apply in the event that a cycle is cancelled.
Humm90, up to 24 months interest free* access to fertility treatment, don't wait to get started today. We’ve partnered with Humm to help families achieve their goals sooner. With longer interest free periods, Humm makes it easier to start your treatment today and pay later.
* 24 months interest free on fertility treatments and egg freezing.
SuperCare is an external service provider, based on an Australian Government initiative, that allows patients to use their superannuation for medical expenses. They are the only provider in Australia established specifically to help individuals and couples use their super for fertility treatments, including:
For more information on accessing your super to fund your fertility treatment, speak with us or visit SuperCare.
Our In This Together program supports patients who need multiple IVF cycles on their path to a healthy baby. We strive to help every patient achieve the fastest path to success, but sometimes more than one cycle is needed, and when it is, we’re in this together.
The offer:
The $1,950 out-of-pocket price includes:
*Terms and conditions apply. Please speak with a Fertility First team member for more details.
Send us an enquiry and our team will be in touch, or if you’d rather talk to someone, give us a call.
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