What rebates are available for fertility treatment in Australia?

Having a family is an exciting time, but for many Australians, conceiving a child can be challenging. According to NSW Health, about 1 in 20 births in Australia involve some form of assisted reproductive treatment, as well as 1 in 6 couples, can experience infertility. 

The Australian government provides fertility testing and IVF rebates 

Medicare (Australia-wide) - Some costs of IVF are likely to be covered by Medicare if a doctor refers you for fertility treatment but will still involve some out-of-pocket costs too. What is covered? For fertility treatments and assisted reproductive treatments such as IVF, there is no limit on the number of treatments you can have. To see if you are eligible, visit the service Australia website.

Government rebates (NSW) Pre-IVF Rebates help eligible NSW residents cover the cost of fertility testing. The one-time $500 rebate can apply if you have incurred out-of-pocket costs for eligible fertility tests after the 1st of October 2019. The rebate is available until December 2027. This rebate is set to decrease to $250 from the first of January 2023. 

New rebate announcement 29 May 2022 (NSW) $2,000 IVF Rebates for women in NSW undergoing IVF or assisted reproductive treatment (ART) will be given a cash rebate of up to $2,000 to reduce treatment costs as part of the NSW government’s 2022-2023 budget. The $2,000 rebate will open on the 1st of January 2023. Women who have undergone an eligible procedure from the 1st of October 2022 will be able to submit a claim when the rebate scheme opens. To see if you are eligible, visit the NSW Health website.

If you are looking at ways to finance your fertility treatment Humm BNPL is a great way to help you benefit from spreading the cost over time. You can secure your treatment now and pay later with regular, interest-free instalments.