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If you're not ready to have a baby but want to increase your chances of getting pregnant in the future, egg freezing may be a viable option. In most cases, it's not covered by Medicare unless it's deemed medically necessary, so it won't be covered by health insurance either.
However, gold level private health insurance can help cover the associated costs, paying benefits towards your anaesthetist and doctors' fees and providing cover for theatre and accommodation fees in a private hospital. A policy should generally cost you around $170 a month, but it could end up saving you thousands of dollars if you do go through with egg freezing.
Egg freezing is a method of storing a woman's unfertilised eggs so that she can get pregnant in the future, often when the chances of natural conception are lower. If you're not in a position to become pregnant right now, egg freezing is a way of preserving and prolonging the chances of fertility.
By freezing eggs, they can be stored for many years without deteriorating. When you're ready to start a family, the eggs can be fertilised with sperm. If successful, the egg will develop into an embryo which can then be transferred to the woman's uterus.
In terms of the procedure itself, you'll usually undergo hormonal stimulation with daily injections for around 12 to 14 days, which enable the eggs to mature. Your fertility specialist will discuss which method is best for you.
After this time, the eggs are collected from the ovaries with a procedure that lasts around 2 hours. A general anaesthetic is usually used. You'll be able to go home after this and the eggs will then undergo a process called vitrification where they are frozen. Once they've been vitrified, they can be stored for years until you are ready to use them to get pregnant.
Egg freezing isn't actually covered by health insurance. This is because it doesn't have an MBS number, which means you won't be able to claim a benefit through hospital insurance. However, if you want your eggs frozen, you'll still be able to get help with a private health insurance policy that covers assisted reproductive services. This can take care of any of the associated costs – as long as they have an MBS number – including things like hospital admission, anaesthetist fees, consultant fees and egg collection.
So even though there's no benefit for egg freezing, you should have significantly smaller out-of-pocket expenses if you go private because you'll be covered for lots of other expensive parts of the treatment.
The cost of the entire egg freezing process varies depending on the clinic you go to. For instance, at IVF Australia, elective egg freezing costs $6,885 per cycle. At Melbourne IVF it costs $8,000 per cycle.
While health insurance can't help with the cost of egg freezing itself, it can help reduce your overall costs by paying for associated fees. For instance, whenever you're treated in a hospital and there's a specialist involved, Medicare pays 75% of the MBS fee (the government-set fee) and health insurance pays 25%.
However, if your doctor chooses to charge more than the MBS fee – which is very common – then it's likely you'll have further out-of-pocket costs (sometimes referred to as "the gap"). To avoid this as much as possible, shop around and always ask about out-of-pocket costs.
To give you an idea of how much you might pay, here's a breakdown of the costs you might encounter through egg freezing:
Some of the main factors that impact the cost of egg freezing include:
Egg freezing treatment isn't covered by Medicare unless it's medically necessary. This means that you won't be able to claim any money back for that treatment from your hospital insurance either. But your health insurance will help with lots of the other costs that arise during the egg freezing process, such as:
Assisted reproductive services will cover these costs, which you can find included with all gold hospital policies. Keep in mind that there is usually a 12-month waiting period for assisted reproductive services.
Reach out to your health provider to find out if there will be any part of the procedure that they won't pay for. You will also have to pay an excess, which is usually around $500 or $700.
A single IVF treatment typically costs over $8,000 in Australia. Here’s how Medicare and private health insurance can help.
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