Starting a family is a deeply personal journey, and for many, it can be filled with uncertainty and emotional challenges. As you explore your fertility treatment options, understanding the financial aspects is an important part of the process.
We recognise that costs can be a significant concern, and so our aim is to provide you with clear, honest information about what financial investment you can expect for your fertility treatment. We also aim to minimise the costs of fertility treatment by conducting a comprehensive fertility assessment and optimising your natural fertility. Not only does this result in 50% of our patients either conceiving spontaneously or with simpler and more affordable treatments than IVF, but also reduces your miscarriage risk and improves pregnancy outcomes.
Our fertility treatment costs can be found in the table below. Costs are current on our website as of 1/8/2025.
The estimated out-of-pocket costs are based on the expected Medicare rebate for each service once you meet the safety net threshold with Medicare. Medicare Safety Nets - Services Australia. Note that not all services attract a Medicare rebate.
Other than the fees for your fertility procedures outlined in the table above, your treatment may incur some additional costs including:
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.
Medicare has been unable to keep up with the rising costs of medical services across all fields, including reproductive medicine. This means in order to continue providing sustainable, high-quality fertility care, we sometimes need to charge above the Medicare Benefits Schedule, resulting in out-of-pocket costs, which are estimated in the table above.
The Medicare safety net is a government initiative to reduce your out-of-pocket costs once your gap payments reach a certain threshold, making treatment more affordable for people who would otherwise incur very high fees over time. Once you reach this threshold, Medicare will contribute a greater amount to eligible medical services.
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.
Inpatient services are those that require a hospital admission, such as a laparoscopy procedure or egg retrieval. If you have an appropriate level of cover on your private health insurance, your provider will cover the gap between the Medicare scheduled fee and the rebate (that is, the remaining 25% not paid by Medicare for inpatient services). Your health insurance’s contribution helps to cover the surgery, attendance by the anaesthetist, the hospital’s fee for use of the operating theatre, theatre staff, equipment, and use of the hospital bed.
Always confirm with your private health insurance provider to ensure you understand what is covered and what isn’t. Additionally, it’s a good idea to clarify any waiting periods, conditions, and exclusions that may impact your treatment. Some health funds may cover the cost of certain medications used in treatment cycles but not all.
SuperCare is an external service provider based on an Australian government initiative to allow patients to use their superannuation for medical expenses. They are the only provider in Australia established specifically to assist individuals and couples to use their super for fertility treatments, including:
For more information on accessing your super to fund your fertility treatment, speak to us or visit SuperCare.
The total cost of fertility treatments can vary based on several factors, including the specific type of treatment you need, any additional medical procedures required, and individual circumstances like health insurance coverage. At Fertility First, we conduct a comprehensive initial assessment to understand your needs and ensure you receive the most effective treatment plan tailored to you, helping to optimise your chances of success and minimise the overall cost.
Consultation and applicable treatment cycle receipts will be claimed by our staff on your behalf. Entitled rebates will be deposited into the bank account you have nominated with Medicare. Please ensure your bank account details remain up to date. For semen testing, our staff will email receipts for you to claim as we are unable to claim electronically for these items.
New South Wales government agencies provide rebates from time to time. Often these incentives are means tested. Our reception staff will be able to provide information on any current incentive programs on offer at the time of your appointment and/or your treatment commences.
If you are having problems, please contact us early. Overdue accounts may result in postponement of treatment and the need to take action for debt recovery. At Fertility First we would much prefer you are open with us about your financial situation so we can discuss a way forward to minimise the impact on your treatment.
To be eligible for SuperCare, you need to be a member of a superannuation fund and meet specific criteria, such as undergoing treatment for fertility issues and being able to provide evidence supporting your need for these services.
To initiate the SuperCare process, you can contact us at Fertility First for assistance. We will guide you through the necessary steps, including providing any medical documentation required and helping you understand how to apply for early access to your superannuation funds.
Accessing SuperCare may slightly alter your treatment timeline, as the approval process for early withdrawal of superannuation funds can take some time. However, our team is well experienced in navigating the process and will work closely with you to minimise any delays, ensuring you receive the care you need as promptly as possible.
You can also make an application yourself to apply to access an early release of superannuation. Fertility First can assist in this process by providing you a written quotation to support your application. A specialised psychiatrist report is required as supportive evidence. Please ask our administration team for further information.
