IVF Cost Australia 2026

A standard IVF cycle in Australia costs $8,000–15,000 before Medicare, or $600–$8,800 out-of-pocket after rebates. We analysed pricing from 29 RTAC-accredited clinics to show what IVF actually costs — including medications, anaesthetist fees, and storage — and how Medicare, the Safety Net, and PBS subsidies reduce your bill.

According to TreatCompare analysis, Medicare provides rebates of $2,800–3,200 per IVF cycle in Australia, with no limit on the number of funded cycles. The Medicare Safety Net provides additional rebates once out-of-pocket costs exceed $2,544.30 per calendar year. PBS-subsidised stimulation drugs cost $158–285 per cycle for general patients.

Could you get free IVF?

Public hospitals in NSW, Victoria, and Queensland offer free IVF — but wait times are 6–24 months and only 3 of 8 states have programs.

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Average IVF cost in Australia

Across 29 clinics, the average out-of-pocket cost for a standard IVF cycle is $6,755 after Medicare rebates. The cheapest option is $600 (bulk-billed) and the most expensive is $8,800. These figures exclude medications, which are subsidised separately under the PBS.

IVF cost breakdown per cycle

Cost component	Typical range	Notes
Clinic cycle fee	$5,000–$9,000	Includes egg collection, embryo culture, transfer
Stimulation medications	$1,500–$3,000	PBS subsidised — general copay $158–$284
Anaesthetist	$500–$800	For egg collection procedure; partial Medicare rebate
Monitoring scans	Included	Most clinics bundle monitoring into cycle fee
Embryo storage (annual)	$300–$600	Ongoing annual cost if embryos are frozen
TOTAL before Medicare	$8,000–$15,000	Full cost including drugs and anaesthetist
Medicare rebate	−$3,000 to −$5,000	Covers specialist, egg collection, transfer
Out-of-pocket	$3,000–$9,000	Range across 29 RTAC-accredited clinics

IVF medication costs

Most IVF medications are PBS-listed when prescribed by a fertility specialist for approved treatment. This dramatically reduces the cost compared to full private pricing.

PBS-subsidised cost per cycle: General patients pay $158–$284 (~5–9 scripts at $31.60 each). Concession card holders pay $39–$69 ($7.70 per script). Without PBS, the same medications cost $1,500–$3,500.

Medication	Type	PBS copay	Private cost	PBS cycle estimate	Typical use
Gonal-F Follitropin alfa	Stimulation (FSH)	$31.60	$350–$900	$63–$127	2-4 pens (150-450 IU/day for 8-14 days)
Puregon Follitropin beta	Stimulation (FSH)	$31.60	$350–$850	$63–$127	2-4 cartridges (150-450 IU/day for 8-14 days)
Menopur Menotrophin (hMG)	Stimulation (FSH)	$31.60	$300–$750	$63–$127	8-14 vials (75 IU/day for 8-14 days)
Cetrotide Cetrorelix	GnRH antagonist	$31.60	$80–$120	$31–$64	4-7 injections (0.25mg/day)
Orgalutran Ganirelix	GnRH antagonist	$31.60	$80–$110	$31–$64	4-7 prefilled syringes (0.25mg/day)
Ovidrel Choriogonadotropin alfa	Trigger	$31.60	$50–$80	$32–$32	1 prefilled syringe (250mcg single dose)
Crinone Progesterone gel (8%)	Progesterone	$31.60	$120–$200	$32–$64	15-30 applicators (daily for 2-4 weeks)
Utrogestan Progesterone capsules (micronised)	Progesterone	$31.60	$30–$60	$32–$64	30-60 capsules (200mg 2-3x daily for 2-4 weeks)
Synarel Nafarelin	GnRH agonist	$31.60	$80–$140	$32–$32	1 bottle nasal spray (200mcg 2x daily for 2-4 weeks)
Lucrin Leuprorelin	GnRH agonist	$31.60	$100–$250	$32–$32	14-28 daily injections or 1 depot injection

PBS copay is the general rate ($31.60). Concession card holders pay $7.70 per script. PBS cycle estimate assumes general copay rate.

For a detailed breakdown of every fertility medication, dosages, and how to maximise PBS savings, see our IVF medication cost guide.

What does Medicare cover for IVF?

Medicare provides rebates of approximately $3,000–$5,000 per IVF cycle. There is no limit on the number of Medicare-funded cycles, and no age restriction for accessing rebates.

What Medicare covers

• Fertility specialist consultations (MBS item 104/105)
• Egg collection procedure (MBS item 13200)
• Embryo transfer procedure
• Blood tests and pathology
• Monitoring ultrasounds
• Anaesthetist fees (partial rebate)

What Medicare does NOT cover

• Medications (covered separately under PBS)
• Counselling and psychology
• Embryo/egg storage fees
• Elective egg freezing (no medical indication)
• PGT-A genetic testing
• Add-on treatments (EmbryoGlue, etc.)

Medicare Safety Net: bigger rebates on cycles 2+

After you accumulate $2,544.30 in gap fees (the difference between what your doctor charges and the Medicare schedule fee) in a calendar year, the Safety Net kicks in. Medicare then reimburses 80% of the remaining gap on all further services. For patients doing multiple IVF cycles, this can reduce the out-of-pocket cost of the second and third cycles by $1,000–$2,000 each.

Full details on Medicare rebates, item numbers, and how to register for the Safety Net: Does Medicare cover IVF?

Total IVF cost after Medicare

What you actually pay depends on your age, the number of cycles, and whether the Safety Net applies. Here are three realistic patient scenarios.

	Scenario 1	Scenario 2	Scenario 3
Profile	Under 35, good prognosis	Age 38, unexplained infertility	Age 41, recurrent loss
Treatment	1 cycle, standard IVF	2 cycles with ICSI	3 cycles with ICSI + PGT-A
Private hospital cover	Yes	No	Yes
Clinic fee (per cycle)	$7,500	$8,500 + $1,800 ICSI	$8,500 + $1,800 ICSI + $650 PGT-A
Medications (PBS)	~$190	~$380 (2 cycles)	~$500 (3 cycles, Safety Net)
Medicare rebate	−$3,100	−$6,200 (2 cycles)	−$9,300 (3 cycles)
Safety Net savings	$0 (threshold not met)	−$800 (cycle 2)	−$2,500 (cycles 2 & 3)
Total out-of-pocket	~$5,100	~$14,200	~$22,500
Per-cycle average	~$5,100	~$7,100	~$7,500

Estimates assume mid-range clinic pricing. Actual costs vary by clinic, protocol, and individual circumstances. Safety Net savings estimated on calendar-year basis.

Cheapest IVF in Australia

The cheapest IVF in Australia is available through bulk-billing and access programs. Here are the lowest-cost options by state, based on typical out-of-pocket costs after Medicare rebates.

New South Wales

Adora Fertility

$4,400OOP/cycle

Adora Fixed-Fee IVF: ~$4,500

Victoria

Number 1 Fertility

$600OOP/cycle

Bulk-billing

Queensland

Adora Fertility

$4,400OOP/cycle

Adora Fixed-Fee IVF: ~$4,500

Western Australia

Adora Fertility

$4,400OOP/cycle

Adora Fixed-Fee IVF: ~$4,500

South Australia

Adora Fertility

$4,400OOP/cycle

Adora Fixed-Fee IVF: ~$4,500

Tasmania

TasIVF

$7,100OOP/cycle

Australian Capital Territory

Adora Fertility

$4,400OOP/cycle

Adora Fixed-Fee IVF: ~$4,500

Northern Territory

Monash IVF

$7,200OOP/cycle

Monash IVF Access: ~$4,800

Bulk-billing: Number 1 Fertility ($600 OOP)

Number 1 Fertility in East Melbourne is Australia's only bulk-billing IVF clinic. The consultation is fully bulk-billed ($0 gap), and IVF cycles cost approximately $600 out-of-pocket after Medicare. The trade-off is a single location, simpler protocols, and fewer add-on services.

Access programs: Adora Fertility ($4,500 OOP)

Adora Fertility offers a fixed-fee IVF program from ~$4,500 out-of-pocket across 7 locations nationally. Other access programs include Virtus Affordable IVF (~$5,000) and Monash IVF Access (~$4,800). These provide reduced-cost IVF with some protocol limitations.

For a full ranking of the most affordable clinics: Cheapest IVF in Australia — clinic comparison

Private vs bulk-billing IVF clinics

Only 1–2 clinics in Australia truly bulk-bill IVF (Number 1 Fertility is the main one). Access programs at clinics like Adora Fertility sit in the middle ground. Here is how they compare.

	Private clinic	Access program	Bulk-billing clinic
Out-of-pocket	$5,000–$9,000	$4,400–$5,200	~$600
Wait time	2–4 weeks	2–6 weeks	4–8 weeks
Clinic choice	Full choice of specialist	Limited specialists	Single clinic, assigned doctor
Add-ons (PGT-A, ICSI, etc.)	Full range available	Some available (extra cost)	Limited or unavailable
Locations	Multiple per state	Major cities	Melbourne only
Best for	Complex cases, older patients, those wanting choice	Cost-conscious patients with straightforward cases	Budget priority, Melbourne-based, simple protocols OK

IVF cost by location

IVF pricing varies between states. Metropolitan areas (Sydney, Melbourne) generally have more clinics and wider price ranges, while regional states may have only one or two providers.

State	Clinics	Cheapest OOP	Average OOP	Cheapest clinic
New South Wales (NSW)	12	$4,400	$6,850	Adora Fertility
Victoria (VIC)	8	$600	$5,888	Number 1 Fertility
Queensland (QLD)	7	$4,400	$6,600	Adora Fertility
Western Australia (WA)	6	$4,400	$6,667	Adora Fertility
South Australia (SA)	5	$4,400	$6,520	Adora Fertility
Tasmania (TAS)	3	$7,100	$7,167	TasIVF
Australian Capital Territory (ACT)	5	$4,400	$6,620	Adora Fertility
Northern Territory (NT)	2	$7,200	$7,350	Monash IVF

Clinic count includes multi-state groups with locations in each state. OOP = out-of-pocket after Medicare, before Safety Net.

How to compare IVF clinics

Price matters, but it should not be the only factor. Here is what to consider when choosing a fertility clinic in Australia.

Success rates

Check ANZARD data for live birth rates by age group. Beware of clinics quoting “clinical pregnancy rates” rather than live birth rates, or cherry-picking younger patient data.

Included services

Ask what the quoted fee includes. Some clinics bundle monitoring, blood tests, and anaesthetist; others charge separately. Get a full itemised quote.

Add-on costs

ICSI ($800–$2,200), PGT-A ($600–$720), embryo glue, assisted hatching, and time-lapse imaging can add $1,000–$4,000 to the base cycle cost. Ask which add-ons are recommended for your situation.

Accessibility & location

IVF requires multiple clinic visits for monitoring. Choose a clinic you can attend easily. Regional patients may need to travel for egg collection but can do monitoring locally.

Compare all 29 clinics with full pricing, success rates, and reviews: Australian IVF clinic directory

Frequently asked questions about IVF costs

How much does IVF cost in Australia?

A standard IVF cycle costs $600–$8,800 out-of-pocket in Australia after Medicare rebates. The average across 29 RTAC-accredited clinics is $6,755. Total cycle cost before Medicare is typically $8,000–15,000. Number 1 Fertility in Melbourne bulk-bills, reducing out-of-pocket to ~$600. The Medicare Safety Net provides additional rebates after $2,544.30 in gap fees per year.

Does Medicare cover IVF?

Yes, partially. Medicare provides rebates of approximately $2,800–3,200 per IVF cycle for egg collection, embryo transfer, and related specialist consultations. There is no limit on the number of Medicare-funded cycles. The Safety Net provides 80% rebates on out-of-pocket costs above the MBS schedule fee once the $2,544.30 annual threshold is reached.

What is the cheapest IVF in Australia?

Number 1 Fertility in Melbourne is Australia's only bulk-billing IVF clinic, with out-of-pocket costs from ~$600 per cycle. Adora Fertility offers fixed-fee IVF from ~$4,400 out-of-pocket nationally. Monash IVF and City Fertility also offer access programs from ~$4,800.

How much are IVF medications?

Most IVF medications are PBS-listed. General patients pay $158–$284 per cycle in PBS copays (~5–9 scripts at $31.60 each). Concession card holders pay $39–$69. Without PBS subsidies, fertility medications cost $1,500–$3,500 per cycle at full private pricing.

Are IVF rebates available?

Yes. Medicare rebates reduce IVF costs by $2,800–3,200 per cycle. PBS subsidies reduce medication costs from $1,500–3,500 down to $158–285 per cycle. The Medicare Safety Net further reduces costs after the annual $2,544.30 gap threshold is met. Some private health insurance policies also cover the hospital component of IVF (bed, theatre, anaesthetist).

Sources & further reading

ANZARD Annual Report — Assisted Reproduction Technology in Australia and New Zealand — National success rate data and cycle statistics from all RTAC-accredited clinics
RTAC Code of Practice — Reproductive Technology Accreditation Committee standards that all Australian IVF clinics must hold
Medicare Benefits Schedule (MBS Online) — Official MBS item numbers and rebate amounts for IVF egg collection, embryo transfer, and specialist consultations
PBS — Pharmaceutical Benefits Scheme schedule — PBS copayment rates ($31.60 general / $7.70 concession) and listed fertility medications
Services Australia — Medicare Safety Net thresholds — Current annual Safety Net threshold ($2,544.30 in 2026) and how extended Medicare rebates apply to IVF patients
HFEA — UK IVF costs (comparison baseline) — UK baseline IVF pricing for international cost comparisons — HFEA published average cycle costs

Data updated: April 2026Clinics analysed: 29 RTAC-accreditedMedications: 10 PBS-listed drugs

Methodology: Pricing data is collected from published clinic fee schedules, clinic websites, and direct enquiry. Medicare rebate figures are from the Medicare Benefits Schedule (mbsonline.gov.au). PBS copayment rates are from the Pharmaceutical Benefits Scheme schedule (pbs.gov.au). Success rates are sourced from the ANZARD 2023 annual report published by the Fertility Society of Australia and New Zealand. All clinics listed hold current RTAC accreditation.

Prescription treatments require a valid Australian prescription from an AHPRA-registered practitioner. This site does not provide medical advice. Always consult a qualified healthcare professional before starting any treatment.

More IVF & fertility cost guides

IVF medication costs Australia

PBS copays, private pricing, and how to reduce fertility drug costs

Does Medicare cover IVF?

MBS item numbers, rebate amounts, and Safety Net explained

Cheapest IVF clinics in Australia

Bulk-billing, access programs, and the lowest out-of-pocket options

All fertility treatment prices

IVF, egg freezing, FET, IUI, and consultation prices compared

Australian IVF clinic directory

Compare 29 RTAC-accredited clinics by price and success rates