Promo Poster for IVF Payment PlanAt Rainbow Fertility we understand that when you are planning to build your family, it can be extremely stressful, and the last thing you need is to be worrying about how to fund assisted reproductive services like IVF.

For most people starting with fertility treatment, it will be natural to have many questions such as: How much will IVF cost? How many IVF cycles will it take? What additional treatments will I need to pay for? Etc.

To answer some of your questions regarding costs, below we explain what the usual fees are when undergoing an IVF cycle and the range of payment options our clinics offer.

Naturally, your treatment costs will vary depending on the level of assistance you require. Following your initial consultation with one of our specialists, you will be booked in to attend a complimentary pre-treatment information session with one of our experienced fertility nurses and patient services teams. During this session, all aspects of your fertility treatment, including the cost structure, will be discussed with you.


All patients are unique, have different medical histories and as such different treatment requirements, therefore your treatment plan is tailored to meet your needs as an individual or couple. Once you have seen a Rainbow Fertility specialist, we will provide you with a customised quote tailored to your treatment plan.

For more information, please visit the Treatment Costs section on our website.


Rainbow Fertility offers several payment plan options for IVF cycles. These payment options are only available for Rainbow Fertility fees and cannot be used to pay for external provider fees such as the hospital, anaesthetist, pharmacy, and specialist fees.

The payment plans available to choose from are as follows:

No up-front payment plan: A flexible payment plan that allows patients to commence their IVF cycle and delay payment until the day that egg collection takes place. Medicare rebates are usually paid within 3-5 business days.

Flexible financial payment plans: A payment method available via MacCredit – a broker that provides credit assistance and payment plan options tailored to suit your needs. They specialise in offering suitable, flexible payment plans for various medical treatments.

Instalment payment plan: This allows you to pay a designated amount on or prior to the first day of commencing your cycle. The balance of your fees is payable on the day of egg collection.

Accessing superannuation: A payment method available via external provider SuperCare and based on an Australian Government initiative to assist individuals and their families to access their superannuation to cover medical costs. The SuperCare IVF Services Team can facilitate the funding required for various treatments.

Full up-front payment: The full Rainbow Fertility fee is paid up-front on or prior to the first day of your cycle commencing. This payment option is available for all cycle types and procedures. However, the first day that an online claim can be submitted to Medicare, is on the day of egg collection.

To learn more about these options, please visit the Payment Options page on our website.

If you would like to find out more about our payment plans, or to discuss the options available to you, just give our friendly team a call or send us a message in confidence.


Call: 1300 222 623

Email: [email protected]