What IVF could cost you after Medicare.

Start from a clinic's published fee and see what Medicare pays back, with and without the Extended Medicare Safety Net. Everything you enter stays on this page: nothing is saved or sent to us.

Treatment

IVFIVF with ICSIFrozen embryo transfer

Which cycle this calendar year?

My firstSecond or later

Medicare pays a different amount for the first cycle in a year and for later ones.

Have you reached the Medicare Safety Net this year?

Not yetYesNot sure

I have a concession card or my family gets Family Tax Benefit Part A

The Extended Medicare Safety Net starts once your out-of-pocket costs for the year pass $2,699.10. You can check your total in your Medicare online account.

Clinic feeStart from a clinic’s published fee (optional)

Clinic fee for the IVF cycle

Before Medicare. Use the figure on your quote if you have one.

Billed separately

Most clinic fees leave these out. Your clinic can tell you what to expect.

Day hospital fee for egg collection

Private health insurance may cover some or all of this.

Anaesthetist

Number of prescriptions

$25.00 each under the PBS. Newlife IVF’s fee guide says most cycles need 4 to 5.

Choose a clinic or type its fee to see an estimate.

How the estimate works

Medicare pays a set benefit for each part of an IVF cycle. Your clinic’s fee is usually higher, and the difference is called the gap. Once your out-of-pocket costs for the calendar year pass the Extended Medicare Safety Net threshold ($2,699.10, or $861.20 with a concession card or Family Tax Benefit Part A, in 2026), Medicare also pays 80% of the gap, up to a cap for each item.

The estimate leaves out the Original Medicare Safety Net, what happens when a single bill takes you over the threshold, specialist consultations and tests before treatment, and anything private health insurance pays. Ask your clinic for a written quote before you start: it is the only figure that applies to you.

Figures used

MBS item	What it covers	Schedule fee	Medicare benefit	Safety net cap
13200	IVF cycle, first in the calendar year	$3,723.25	$3,614.75	$2,118.30
13201	IVF cycle, second or later in the calendar year	$3,482.70	$3,374.20	$3,074.90
13218	Frozen embryo transfer cycle	$949.75	$841.25	$888.30
13251	ICSI (sperm injected into each egg)	$500.30	$425.30	$136.50

MBS fees and benefits from 1 July 2026, read on MBS Online on 1 November 2026.
2026 safety net thresholds from MBS Online.
PBS co-payment from 1 January 2026, from pbs.gov.au.
Clinic fees are each clinic’s own published figures, with a link to its price list, listed A to Z. Only clinics that publish a fee we could read are in the list, so it is not every clinic. No clinic pays to appear here or to change its place.