IVF Cost

At Monash IVF, our patients have access to some of the best fertility treatment in Australia, and the world, can offer. 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.

The table below provides an estimate of your out of pocket expenses for fertility treatment with Monash IVF.

Treatment  Approximate Out of Pocket Cost*
Initial IVF Cycle  $4,846
Subsequent IVF Cycle – after Medicare Safety Net $4,281
Initial IVF w/ ICSI Cycle $5,345
Subsequent IVF w/ ICSI – after Medicare Safety Net $4,780
IUI Cycle $1,100
Frozen Embryo Transfer (FET) $2,196

Fees correct as at January 1st, 2020.

*Based on having private health insurance and Medicare. Final out of pocket costs will depend on patients’ individual circumstances.

Please note that cycle fees are not inclusive of day hospital procedure fees, specialist consultations or any extra medication you may require.

Please note that a 0.8% payment surcharge is applicable on all debit and credit card (Visa and Mastercard) transactions.

Medicare Safety Net

Once you reach a certain amount of medical expenses per calendar year, the Medicare Safety Net may provide higher rebates meaning you pay less. The Medicare Safety Net threshold for 2020 is $2,169.20.

For any queries about whether you have reached your Medicare Safety Net and are eligible for further rebate please contact Medicare on 132 011.


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 2020 is $2,169.20.

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 enroll to access Medicare benefits. If you are unsure about your Medicare eligibility status, please contact Medicare on 132 011.

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).

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

When speaking with your Health Insurance provider, you can quote the following item numbers that apply to inpatient procedures associated with fertility treatment – IVF and IVF with ICSI.

13212 ‘Oocyte Retrieval’ (egg collection/pick up) – In Hospital (In patient procedure)

13215 ‘Embryo Transfer’ – In Hospital (In patient procedure)

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


ZipMoney allows patients to access treatment earlier with no payment required upfront.  Patients apply directly to ZipMoney for a 6 or 12-month interest free^ payment plan.

To find out more about ZipMoney at Monash IVF, please visit https://monashivf.com/cost/zip/


^Available to ZipMoney approved applicants only. Maximum amount that can be borrowed is $15,000- inclusive of the $6 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 ZipMoney at the standard annual percentage rate, currently 19.9%.

Learn more about using ZIP Money.

Accessing Superannuation

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

  • Patients are able to apply to access their superannuation directly through the ATO.
  • Alternatively SuperCare, an external service provider assists both individuals and their families in accessing their superannuation. https://mysupercare.com.au/our-service/ivf/

It 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.

Payment Plans and Options

We understand that sometimes fertility treatment can be both physically and emotionally taxing and the cost of treatment can add an unnecessary element of stress. That’s why at Monash IVF, we’re committed to providing you with flexible payment plans and helping you understand your financial options.

Learn more about payment plans and options.

What if I need Advanced Treatment

For some patients, your treatment may require genetic testing or specialised sperm selection. These services are provided in addition to your IVF treatment cycles and therefore have an added cost. Unfortunately, these services do not receive any rebate for Medicare.

Embryo Screening (per embryo) $495
HA (sperm selection) $442
Sperm, egg or embryo storage $205*


*Sperm, egg and embryo storage fees are payable every six months.