Payment Options
Pay Online
This option allows you to pay for your cycle via our secure Commonwealth Bank payment platform up to three days prior to your procedure.
On the day of your procedure this payment is applied to your invoice and an online claim is submitted to Medicare, resulting in rebates being paid within 3 to 5 business days. This payment option reduces the time between making a payment and receiving any eligible Medicare rebates.
Medicare Online claiming is available at all City Fertility clinics. This is a secure and convenient way to claim your rebate without having to visit a Medicare office. Patients who are ineligible for Medicare are able to pay for their treatment via the online patient platform. However, all cycle payments are required to be paid in full on the day you commence your fertility medications or day one of your cycle.
Please refer to your individual fee estimate regarding the amount required to be paid and also for your unique identifier code.
Payment via Direct Debit/Credit
We understand how much trust you place in your care team. That’s why we are fully committed to upholding the highest standards in fertility treatment, supported by robust quality systems across our clinics.
As part of our ongoing quality assurance program, we:
Flexible Payment Plans
We believe the path to parenthood should be as accessible as possible. That’s why we offer a range of flexible payment plans to help spread the cost of your treatment, so you can focus on what matters most.
Total Lifestyle Credit
We believe that everyone should be able to achieve their dream of parenthood. That’s why we have partnered with Total Lifestyle Credit to offer payment plan solutions to suit your needs. TLC provide a personalised and stress- free service with:
- Funding for patients from $2,001 – $50,000
- Access to the lowest medical segment interest rates for good credit scores
- 8 different funding options
- Funding for the full cost of treatment including City Fertility Fees, Hospital and Anaesthetist Fees, Specialist Fees, Medication etc.
- No early payout fees
- Flexible terms up to 84 months
- Simple 30 second patient form to complete
- Patients are funded within 24 hours of approval
- Protected by the consumer credit laws
Please click here to view the repayment chart.
To make an enquiry, check your eligibility or apply please click here.
Terms & Conditions:
- Speak to TLC directly for a quote based on your personal circumstances and for the full terms and conditions.
- A full credit and financial assessment would need to be completed prior to acceptance of any offer or product. Total Lifestyle Credit – Australian Credit licence 509691
humm90
City Fertility has partnered with humm90 to help ease the financial pressures faced by many when accessing fertility treatment. humm90 is a reusable account that lets you have the treatment you need now with the flexibility and convenience of paying off the cost of treatment over a period of 12 months Interest-Free*.
- Application and approval is fast and easy
- No deposit is required
- Apply for up to $50,000
- Monthly fee of $9.95
In order to streamline the process, please have our patient services staff members at our clinic assist you with your application via the humm90 portal.
Please note that humm90 is only available for City Fertility fees and cannot be used to pay for external provider fees such as hospital, anesthetist, pharmacy, and specialist fees.
For more information, call us on 1300 115 533 (Opt 3, Opt 4) or head to
*Approved applicants only. Fees and charges apply, including a $99 annual fee that applies on account opening. Applicants who enter their Credit Contract on or after 1 October 2024 will be charged a monthly fee of $9.95 instead of an annual fee, and existing customers will be transitioned on a rolling basis. T&Cs and minimum finance amount applies. For Long Term Interest Free purchases: Minimum monthly payments must be made by the due date each month, otherwise interest at the humm90 Expired Promotional Rate (currently 26.49%) applies. For other purchases: Up to 110 days interest free and payment holiday can apply (excluding purchases we treat as cash advances), after which minimum monthly payments are required. Interest at the humm90 Purchase Rate (currently 26.30%) applies if purchase amount is not repaid within Interest Free Period or if other Interest Free Criteria are not met. All fees, charges and interest rates are current as at June 2024 and subject to change – see humm90.com/au. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.
Accessing Superannuation
Did you know you may be able to use your superannuation to fund your fertility treatment? Accessing your super early is possible in certain circumstances, and we’ve partnered with leading Early Release of Superannuation specialists to make the process as simple as possible.
Super Health Ensemble
Super Health Ensemble can help you access your superannuation to cover the costs associated with your IVF treatment by facilitating ATO’s Early Release of Superannuation (ERS) application.
Their friendly team will work collaboratively to ensure every requirement is met. They will collect and complete all the paperwork behind the scenes to facilitate your application with everything you will need for the ATO. They will also complete your superannuation forms and track your benefit payment.
Their process:
- Discussing your eligibility
- Requesting quotes from all your providers
- Walking you through the ATO application
- Preparing the documents for your super fund
- Following up with your super fund to accelerate your withdrawal
For further information or to contact Super Health Ensemble, please visit their website: www.sheaustralia.org or call 1300 001 287.
Access My Super
Access My Super: Your solution for navigating the ATO’s Early Access to Super (ERS) application.
Let Access My Super Help You Access Your Superannuation Early for IVF and Fertility treatment funding, so you can focus on your journey ahead.
- Easy and Hassle-Free Service: Their friendly and approachable team will take care of the application and lodgement process for you.
- Approval Made Simple: Access My Super Prepares All Required Documentation and gathers all treatment quotes.
- Quick Turnaround Time: Access My Super Organises the Psychiatrist Report.
- There is an associated cost for the psychiatrist report.
- Get the Facts and Fees: Contact Access My Super for Further Information
- Click the Icon below OR Visit accessmysuper.com.au
- Call 1800 845 121 and speak with their helpful team.
SuperCare
Pay for your IVF treatment using your superannuation
Superannuation can be used to pay for essential IVF Treatment under the ATO’s Compassionate Release of Superannuation program. SuperCare streamlines the application process that is required to access Superannuation to pay for IVF treatments and all out of pocket expenses including private hospital fees, travel and accommodation. SuperCare operates on a no-fee – no approval basis.
SuperCare can facilitate the funding required for various treatments, including:
- IVF
- Donor Sperm
- Donor Eggs
- Egg Freezing
- Endometriosis
- Obstetrics and Gynaecology
- Women’s Health
