IVF Cost & Medicare Rebate Calculator Australia (2026)

Methodology + data sources

Out-of-pocket figures are typical ranges from clinic-published prices and MBS Online schedules (1 January 2026). Medicare rebate per stimulated cycle: ~$5250 after the Extended Medicare Safety Net (EMSN) has been triggered (typically by the second or third cycle in a year). Bulk-billing pathway: $0–$500 OOP (Adora Fertility's "no-out-of-pocket" model is structurally Medicare-only). Private pathway: $5,000–$10,000 OOP (Genea, Monash, Virtus). Public-hospital pathway: $1,500–$3,500 OOP (Westmead, Royal Women's). PGT-A: $700–$1200 per embryo (no Medicare rebate). Donor egg: $5,000–$12,000 program fee. Medications: $1,500–$2,500 per cycle (mostly PBS-rebated; concession-card holders pay much less).

Important: IVF success rates are FAR more important than cost. Always read each clinic's age-stratified ANZARD success rates (anzard.org.au) before deciding. A cheaper clinic with lower per-cycle success may cost more in total.