Where ART is required to create embryos, provided a surrogate is not used, Medicare financially assists families by providing rebates. This is regardless as to whether the couples own sperm and eggs are used, they use donor sperm and eggs or a combination of both. Provided a surrogate is not used to carry the embryo Medicare will provide a rebate. These rebates are paid in accordance with the Medicare Benefits Schedule (MBS) and are not means tested.
Below is a table showing the average out of pocket expenses, couples can expect to pay when they do not use a surrogate:
Medicare does not provide a rebate for hospital related services, such as egg collection and embryo transfer. However Medicare may provide a rebate for the anaesthetist and those with private health may be eligible for a rebate from their fund. Out of pocket expenses for hospital related services range from $1,000 to $2,400 depending on whether the couple has private health cover.
With the assistance of Medicare, couples can expect to pay a total of $3500 to $5000 per full cycle.
There is no limit to how many cycles a couple may undertake during a year. In fact, the more cycles a couple does each year, the more Medicare will pay. When couples reach their annual threshold, the Extended Medicare Safety Net (EMSN) provides an additional rebate. Given it is usually necessary for a woman to have 3-5 IVF cycles before a successful pregnancy occurs , this can result in Medicare contributing $7,500 to $13,500.
Where a surrogate is used, Medicare does not provide any rebate for the IVF cycle. This is regardless of whether the couple use their own eggs and sperm to create the embryos or where donor eggs and sperm are used. Couples using a surrogate to carry their embryo can expect to pay between $16,000 – $18,000 for a single IVF cycle. In addition to these expenses couples using surrogates have legal costs, counselling costs and the usual pregnancy costs. Couples can expect to spend up to $60,000, provided their surrogate gets pregnant within the first or subsequent IVF cycle.
Why is it ok for the Government to help women with fertility issues but who can still carry their babies but not help women who cannot carry their own babies? There is no extra costs or extra procedures involved when a surrogate is used. The IVF procedure is exactly the same, except the embryo goes into another woman not the same woman.
For me personally I have never used IVF. I had no fertility issues. I had cancer, hysterectomy thats it. Can no longer carry my baby. I have just completed my first round of IVF. So far it has cost me almost $17,000. I only got 2 embryos. One embryo is currently, hopefully, growing in my surrogate. The other embryo is on ice. So I only got 2 shots. We cannot afford another $17,000. This is it for us.
If I had my own uterus. So far I would be out of pocket about $4000. The pressure would not be as great for one of these two embryos to become a baby, because we could have another go. We could afford another $4000. In fact 3 rounds of IVF with Medicare rebates would be less than what I have paid so far for 1 round.
Just seems so unfair to me. Why should I be treated differently to so many of my friends who have done IVF. Why should I not get a shot of having the family I always dreamed of?
These laws need to change. Equal access to Medicare Rebates to all those doing IVF!