Treatment Costs

At Monash IVF, our main aim is to assist patients in achieving a successful healthy pregnancy. We believe wholly in the quality of the services we provide and are proud of our Success Rates.

We understand that sometimes IVF costs can be confusing and that each patient has individual circumstances and treatment needs.

We believe that being informed is the key to making the right decision for you and your family. Our experienced accounts team are available to discuss any IVF cost queries you may have when you meet with them for your accounts appointment prior to commencing treatment.



Medicare provides access to rebates for many different fertility treatments. The Medicare Safety Net can also provide additional rebates for patients who have reached a certain threshold. The Medicare Safety Net threshold for 2024 is $2,544.30.

To make sure you are eligible for Medicare rebates on IVF cost, you will need to make sure you have a valid referral letter from your GP or specialist gynaecologist/obstetrician. We suggest obtaining one from your GP, as GP referral letters are valid for 12 months whereas a specialist referral is only valid for three months. Ensuring that your name and your partner’s name (if applicable) are on the referral, as well as the referral being made out to your specific Fertility Specialist or to Monash IVF will enable you to claim all the Medicare rebates you are entitled to.

All eligible Australian residents and some categories of visitors to Australia can enrol to access Medicare benefits. If you are unsure about your Medicare eligibility status, please contact Medicare on 132 011.

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Private Health Insurance

Although Private Health Insurance is not required to access treatment with Monash IVF, it may contribute a further rebate on IVF costs or provide assistance with any hospital day surgery fees (which are not covered by Medicare) that you may incur during your treatment.

If you have Private Health Insurance, the amount covered by your health fund will be dependent on your level of cover, we suggest speaking directly to your health fund to find out the details of your policy. If you are investigating whether to apply for cover, we advise contacting health funds for advice and information regarding waiting periods and your eligibility for the cover of fertility treatment.

Please make sure you advise our accounts team of your Private Health Insurance eligibility and details when you meet with them.


Zip Money

Zip Money allows patients to access treatment earlier with no payment required upfront. Patients apply directly to Zip Money for a 6, 12, or 24 months interest free* payment plans for IVF or egg freezing.

*Available to Zip Money approved applicants only. Maximum amount that can be borrowed is $15,000- inclusive of the $9.95 monthly account fee and $99 establishment fee. The repayment amount advertised may not repay the balance within the interest free period. Minimum monthly payments required. Any balance outstanding at the expiry of the interest free period will be charged interest by Zip Money at the standard annual percentage rate, currently 25.9%.

Learn more about using ZIP Money
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Accessing your Superannuation

Patients may be able to access their superannuation to assist in paying for IVF treatment.

  • Patients are able to apply to access their supperannuation directly through the ATO.
  • Alternatively SuperCare, an external service provider assists both individuals and their families in accessing their superannuation. can take up to four weeks to receive payment from superannuation funds, so this process should occur prior to treatment commencing.
Learn more about accessing Super
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