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Ballarat is not looking good:

Hi Kelly,
Your initial consult fee do see Dr Bardsley will be $167.00 of which $99.25 will not be claimable from medicare. IVF fees vary depending on whether you have private health insurance. The up front fee will be approx $4,500, you will be eliglble for a medicare rebate the amount being dependant on your medicare safety net. Blood tests will need tobe done through St John of God Pathology and scans through Lake Imaging so I imagine Ballarat will be your closest providers. Hope you can make sense of all this! We can clarify and give you detailed quotes when you see Dr Bardsley.

Bugger. Never mind, if all goes well on Tuesday with MIVF, I will cancel that appointment all together.

Also received this email in reply to another query I had with our PHI -

The item number 13212 is covered under your policy. You have Public Hospital cover with a $400 excess. The item is only covered in a public hospital with the doctor of your own choice.

Which surprised me, although I think our excess will be more than MIVF charge anyway!!