Question 1

What is Humm?

Accepted Answer

Humm is a payment plan provider that offers eligible applicants a 24 months interest free payment plan on fertility treatments and egg freezing.

Question 2

Who is eligible for a Humm account?

Accepted Answer

You must meet a few criteria to be eligible for a Humm account and it is not recommended to proceed with an application if you don't meet the criteria below:

You must be over 18 years old
Earn over $25,000 annually
You must be a permanent Australian resident
You must have a clear credit file

Learn more about Humm eligibility criteria here.

Question 3

How much would my repayments be with Humm?

Accepted Answer

You can access the repayment calculator by visiting this page.

Question 4

Where can I find more information about Humm?

Accepted Answer

For more information about Humm, including how it works, where to use it, and frequently asked questions, visit the official Humm website here.

Question 5

What is Zip Money?

Accepted Answer

Zip Money is a reusable account that lets you buy now and pay later. It offers you the simplest way to pay over time for life’s larger purchases, on your terms. Zip is 100% owned by ASX listed Zip Co Ltd with all operations based in Sydney, Australia.

Question 6

Who is eligible for a Zip Money account?

Accepted Answer

You must meet a few criteria to be eligible for a Zip Money account and it is not recommended to proceed with an application if you don't meet the criteria below:

You must be over 18 years old
You must be recieving consistent income
You must be a permanent Australian resident

Learn more about Zip Money eligibility criteria here.

Question 7

Where can I find more information about Zip Money?

Accepted Answer

For more information about Zip Money, including how it works, where to use it, and frequently asked questions, visit the official Zip website here.

Question 8

Why are success rates important to consider when looking at cost?

Accepted Answer

If you do require IVF, you need to understand the importance of selecting a clinic that offers the best science and leading processes to offer value for money and reduce the number of stimulated cycles. While low-cost IVF may appear to be a convenient solution, the number of IVF cycles required to achieve conception can add up financially, and the nature of the treatment can take an unexpected personal toll.

Question 9

What questions should I ask other clinics when looking at costs?

Accepted Answer

Below some advice when speaking to other clinics about their costs:

The out of pocket cost may not be the only expense you need to pay. Make sure you check with the clinic that the full costs associated with your treatment are included. Ask specifically for details of what is required on top of the out of pocket figure.
Day surgery theatre fees, anaesthetist fees and accommodation fees may be additional on some cycles. Make sure you clarify these specific costs with the clinic or hospital.
Recognise that pre-treatment and post treatment fees such as doctor consultations, blood tests, ultrasounds and storage costs may increase your out-of-pocket.
Your out-of-pocket cost may be higher than advertised if you have not reached your Medicare safety net.
If you don’t have health insurance, or your health fund is not contracted with the hospital or clinic, or if you have a restricted plan, this may increase your out-of-pocket. The item numbers that are most commonly used in ART treatment are 13212, 13215 and 13218. It is best to contact your private insurer directly to discuss and ask the clinic how this will then impact your out-of-pocket expenses.

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