Best IVF Clinics Melbourne & Victoria 2026: Including Bulk-Billing Options

Melbourne is the IVF capital of Australia. It is home to the country's only bulk-billing IVF clinic, the headquarters of two of the three largest IVF corporate groups, and some of the strongest publicly funded IVF programmes in the country. If cost is a factor in your decision — and it is for most patients — Melbourne offers the widest range of price points anywhere in Australia.

Melbourne IVF clinic comparison

| Clinic | Locations | Cycle fee | Estimated OOP (after Medicare) | Key features | |--------|-----------|-----------|-------------------------------|-------------| | Number 1 Fertility | East Melbourne | Bulk-billing | ~$600 | Lowest cost IVF in Australia | | Adora Fertility | Melbourne CBD | $4,500-6,500 | $2,500-4,500 | Low-cost private model | | City Fertility | Melbourne, Geelong | $6,000-8,000 | $4,000-6,800 | Access programme, national network | | Monash IVF | Clayton, Melbourne CBD, Bendigo, Sale | $6,500-8,500 | $4,500-7,200 | Largest group, access programme | | Melbourne IVF (Virtus) | East Melbourne, Bundoora | $7,000-9,000 | $5,000-8,100 | Premium, research-driven | | Newlife IVF | Box Hill, Brighton | $6,000-7,500 | $3,500-5,500 | Mid-range, focused on patient experience | | No. 1 Fertility | Wyndham Vale | Bulk-billing | ~$600 | Second location, western suburbs |

Why Melbourne is the cheapest for IVF

Number 1 Fertility: how bulk-billing works

Number 1 Fertility accepts the Medicare schedule fee as full payment for all Medicare-eligible services. This means no gap fee on:

• Specialist consultations
• Monitoring ultrasounds
• Egg collection procedure
• Embryo transfer

The only out-of-pocket costs are for items that Medicare does not cover:

• Embryo storage (~$300-500/year)
• Some medications (~$100-300 with PBS)
• Counselling (if not bulk-billed)

Total out-of-pocket: approximately $600 per cycle.

How does this compare to other clinics? At a premium clinic like Melbourne IVF, the same cycle would cost $5,000-8,100 out of pocket. The difference over 3 cycles is $15,000-22,500.

What is the trade-off?

Number 1 Fertility achieves its pricing by:

• Accepting lower revenue per patient
• Operating with streamlined processes
• Potentially having longer wait times (high demand)
• Offering fewer extras (no time-lapse monitoring, limited PGT-A)

Success rates are not publicly available at the clinic level in a way that allows direct comparison. ANZARD data is published with a lag and requires careful interpretation. The clinic is RTAC-accredited and staffed by qualified fertility specialists.

Detailed clinic profiles

Melbourne IVF (Virtus Health)

• Cost: $7,000-9,000 cycle fee, $5,000-8,100 OOP
• Locations: East Melbourne, Bundoora
• Strengths: Strong research profile, pioneered several IVF techniques, time-lapse monitoring, comprehensive PGT-A programme
• Best for: Patients wanting premium care, complex cases, those prioritising success rate over cost
• Affordable IVF programme: Available for eligible patients at reduced fees

Monash IVF

• Cost: $6,500-8,500 cycle fee, $4,500-7,200 OOP
• Locations: Clayton, Melbourne CBD, Bendigo, Sale
• Strengths: Largest IVF group in Australia, affiliation with Monash University and Monash Medical Centre, access programme for eligible patients
• Best for: Patients who want a large well-resourced clinic with regional options
• Access programme: Reduced fees for eligible patients (means-tested)

City Fertility

• Cost: $6,000-8,000 cycle fee, $4,000-6,800 OOP
• Locations: Melbourne CBD, Geelong
• Strengths: Transparent pricing, national network, access programme
• Best for: Patients wanting mid-range pricing with clear cost information upfront

Adora Fertility

• Cost: $4,500-6,500 cycle fee, $2,500-4,500 OOP
• Locations: Melbourne CBD
• Strengths: Low-cost private model, transparent pricing, streamlined process
• Best for: Cost-conscious patients who do not want to go fully bulk-billed

Newlife IVF

• Cost: $6,000-7,500 cycle fee, $3,500-5,500 OOP
• Locations: Box Hill, Brighton
• Strengths: Focus on patient experience, competitive mid-range pricing
• Best for: Patients in eastern suburbs wanting personalised care at moderate cost

Public IVF in Victoria

Victoria has the strongest public hospital IVF provision in Australia. Two major centres:

| Hospital | Location | Wait time | Eligibility | Capacity | |----------|----------|-----------|------------|----------| | Royal Women's Hospital | Parkville | 6-12 months | No PHI, Medicare card, clinical criteria, usually under 42 | Largest public programme | | Monash Medical Centre | Clayton | 6-12 months | No PHI, Medicare card, clinical criteria | Affiliated with Monash IVF |

Public IVF in Victoria typically costs under $1,000 out of pocket per cycle. Wait times are shorter than other states (6-12 months vs 12-24 months in QLD or WA). Victoria's public system generally offers 1-3 funded cycles depending on individual circumstances.

Regional Victoria options

| Region | Nearest clinic | Notes | |--------|---------------|-------| | Geelong | City Fertility Geelong | Full service, local option | | Bendigo | Monash IVF Bendigo | Satellite services, some travel to Melbourne for procedures | | Ballarat | No local clinic | Melbourne (1.5 hours) | | Shepparton | No local clinic | Melbourne (2 hours) or Bendigo | | Gippsland | Monash IVF Sale | Satellite services | | Mildura | No local clinic | Melbourne (5.5 hours) or Adelaide |

Monash IVF offers satellite monitoring in Bendigo and Sale, meaning patients can attend locally for blood tests and scans, travelling to Melbourne only for egg collection and transfer.

Cost comparison: 3-cycle scenario

If a patient needs 3 IVF cycles in the same calendar year, the total out-of-pocket varies dramatically by clinic:

| Clinic | Cycle 1 OOP | Cycle 2 OOP (Safety Net) | Cycle 3 OOP (Safety Net) | 3-cycle total | |--------|------------|-------------------------|-------------------------|--------------| | Number 1 Fertility | ~$600 | ~$600 | ~$600 | ~$1,800 | | Adora Fertility | $3,500 | $2,000 | $2,000 | $7,500 | | City Fertility | $5,500 | $3,000 | $3,000 | $11,500 | | Monash IVF | $6,000 | $3,500 | $3,500 | $13,000 | | Melbourne IVF | $7,000 | $4,000 | $4,000 | $15,000 |

These are estimates. Actual costs depend on medication requirements, monitoring needs, and individual circumstances. The Medicare Safety Net reduces out-of-pocket for cycles 2 and 3 when completed in the same calendar year.

What to consider when choosing a Melbourne clinic

If cost is the priority

Number 1 Fertility at ~$600 OOP is the clear winner. Adora at $2,500-4,500 is the next cheapest. Over 3 cycles, the saving compared to premium clinics is $10,000-13,000.

If success rates are the priority

Melbourne IVF and Monash IVF are the largest research-focused clinics with the most published data. However, individual specialist experience matters more than the clinic brand. Ask for age-adjusted success rates specific to your condition.

If you need complex treatment

For patients with PCOS, endometriosis, severe male factor, or repeated failure, larger clinics with broader specialist teams and research programmes may offer advantages. Melbourne IVF and Monash IVF have the widest range of sub-specialists.

If you are in regional Victoria

Monash IVF's regional satellite network (Bendigo, Sale) and City Fertility's Geelong location provide the most accessible regional options.

Cost-saving strategies for Victoria

1. Number 1 Fertility first — If you are a straightforward case, the bulk-billing model saves thousands
2. Calendar year planning — Complete as many cycles as possible within the same calendar year to maximise the Safety Net
3. PBS medications — Save $1,000-2,000 per cycle
4. PHI with IVF cover — Saves $1,000-3,000 per cycle on hospital costs (12-month waiting period)
5. Public hospital pathway — If eligible, wait times are shorter in Victoria than other states