Monash IVF vs Genea vs City Fertility 2026: Australia's Top IVF Networks Compared
Compare Monash IVF, Genea, and City Fertility on success rates, prices, locations, and Medicare-funded vs private cycles. See which Australian network suits you.
How this guide was checked
TreatCompare uses published provider fees, official regulator registers, NHS/PBS/Medicare references where relevant, and the methodology described on our methodology page. Prices are point-in-time and can change before booking.
Monash IVF, Genea, and City Fertility are the three largest fertility network groups in Australia, between them treating the majority of private IVF cycles in the country. Here's how they compare on price, success rates, locations, and clinical strengths.
Quick comparison
| | Monash IVF | Genea | City Fertility | |--|-----------|-------|----------------| | Australian clinics | 19 | 19 | 8 (+ Adora bulk-billing network) | | States covered | VIC, NSW, QLD, SA, NT | NSW, ACT, QLD, TAS | QLD, NSW, VIC | | Full IVF cycle (before rebate) | AU$11,000–13,500 | AU$11,500–13,500 | AU$10,500–11,500 | | Out-of-pocket after Medicare Safety Net | ~AU$5,000–6,500 | ~AU$5,000–6,500 | ~AU$4,500–5,800 | | Bulk-billing arm | IVFAccess (~AU$1,500 OOP) | None | Adora Fertility (~AU$1,500 OOP) | | Donor egg / sperm programme | Yes, large | Yes, longest-established | Yes, via Rainbow Fertility partnership | | Egg freezing | Largest provider in AU | Established programme | Available at all clinics | | PGT (genetic testing) | Yes | Yes (developed at Genea) | Yes | | Public listing | ASX:MVF | Private (Mercury Capital) | Private (subsidiary of CHA Health Systems) | | Best for | Volume + research links | Donor programmes + PGT | Price-conscious + LGBTQ+ pathways |
Pricing in detail
Monash IVF Group (19 clinics, ASX-listed):
- Standard IVF cycle: AU$11,000–13,500 before Medicare rebate
- Patient out-of-pocket after Medicare Safety Net: ~AU$5,500–6,500
- IVFAccess (low-cost arm): ~AU$1,500 out-of-pocket per cycle, fewer add-ons
- Egg freezing: AU$5,500–7,500 for one cycle (storage from AU$500/year)
- Strong R&D links with Monash University
Genea Fertility (19 clinics, private equity owned):
- Standard IVF cycle: AU$11,500–13,500 before Medicare rebate
- Out-of-pocket after Safety Net: ~AU$5,000–6,500
- Genea Biomedx — proprietary lab technology used internationally
- PGT (preimplantation genetic testing) developed in-house
- Donor sperm and donor egg programmes are the longest-running in AU
City Fertility (8 clinics + Adora bulk-billing network):
- Standard IVF cycle: AU$10,500–11,500 before Medicare rebate (cheapest of the three)
- Out-of-pocket after Safety Net: ~AU$4,500–5,800
- Adora Fertility (bulk-billing arm): ~AU$1,500 out-of-pocket
- Rainbow Fertility partnership for LGBTQ+ family-building
- Owned by CHA Health Systems (South Korea's largest fertility group)
The Medicare Safety Net is the single biggest determinant of your IVF cost in Australia. Once you exceed the annual threshold (~AU$2,544 in 2026 for most families), Medicare covers ~80% of subsequent eligible fees. This is why the same cycle can cost AU$3,000 or AU$8,000 out-of-pocket depending on whether you've had other medical bills that year.
When to choose Monash IVF
- Egg freezing — Australia's largest provider, with the most published data
- Research-led care — strong Monash University links, frequent clinical trial access
- National reach — only one of the three with NT and SA presence
- Lowest-cost option needed — IVFAccess clinics deliver bulk-billing-style pricing within the same group
When to choose Genea
- Donor pathways — longest-established donor sperm and donor egg programmes in AU
- Genetic testing (PGT) — developed in-house, integrated with Genea's own lab technology
- Specific clinics with high reputations — Sydney CBD, Hobart, and Wollongong have strong outcomes data
- International transfer — Genea's tech is used in Asian fertility networks; useful if you may relocate
When to choose City Fertility
- Lowest-cost full-service option — typically AU$500–1,500 cheaper than Monash/Genea per cycle
- LGBTQ+ family-building — Rainbow Fertility partnership is purpose-built for same-sex and single-parent pathways
- Bulk-billing through Adora — same group ownership means easy transfer if you start at Adora and need to escalate
- Brisbane / Gold Coast coverage — strongest of the three in QLD outside the major cities
Alternatives
- IVF Australia (Virtus Health) — large NSW network, similar tier to Monash/Genea
- Melbourne IVF — premium VIC option, strongest outcomes data on >40 patient cohort
- Repromed (now part of Monash IVF) — South Australia's largest, integrated with Monash IVF since 2023
- Concept Fertility / Fertility North — Western Australia options
- Newlife IVF / Number 1 Fertility — boutique Melbourne clinics, often higher success rates per cycle but limited capacity
- Adora Fertility / IVFAccess / Primary IVF / Connect IVF — bulk-billing networks for budget-conscious patients
Compare success rates and prices from RTAC-accredited IVF clinics across every Australian state.
Compare all Australian fertility clinics pricesThe bottom line
For most patients, the choice comes down to location and price, not clinical brand. Outcomes between Monash IVF, Genea, and City Fertility are within statistical noise once you adjust for patient age. Pick the closest clinic, get a written quote that includes anaesthesia, embryology, day surgery, and follow-ups, and benchmark it against at least one bulk-billing alternative. If you have complex factors (severe male factor, recurrent loss, advanced age), favour full-service over bulk-billing — the additional specialist time genuinely changes outcomes.
Frequently asked questions
Which has the highest IVF success rates in Australia?
Success rates between Monash IVF, Genea, and City Fertility are within a few percentage points on like-for-like patient cohorts (age band, single-embryo transfer, fresh vs frozen). All three submit data to ANZARD (the Australia and New Zealand Assisted Reproduction Database), and clinic-level rates are published annually. The biggest predictor of success is patient age and ovarian reserve, not clinic brand. Always ask for ANZARD-reported live birth rate per egg pickup, not 'pregnancy rate per cycle' — the second number can be misleading.
Is Monash, Genea, or City Fertility cheapest?
City Fertility is generally the cheapest of the three for a full IVF cycle — around AU$10,500–11,500 before the Medicare rebate, vs AU$11,000–13,500 at Monash IVF and AU$11,500–13,500 at Genea. After the Medicare Safety Net, out-of-pocket costs typically land at AU$4,500–6,500 across all three. Bulk-billing 'Adora Fertility' (now part of City Fertility) and 'IVFAccess' (Monash IVF's low-cost arm) cut out-of-pocket to around AU$1,500–2,500 per cycle, but with reduced clinical extras.
Where are Monash IVF, Genea, and City Fertility based?
Monash IVF has 19 clinics across Victoria, New South Wales, Queensland, South Australia, and Northern Territory. Genea has 19 clinics concentrated in NSW, ACT, Queensland, Tasmania, and a strong international footprint. City Fertility has 8 main clinics across Brisbane, Sydney, Melbourne, and the Gold Coast, plus the bulk-billing Adora Fertility network in major cities. If you live in WA, Fertility North or Concept Fertility may be more accessible than these three.
Do all three accept Medicare for IVF?
Yes. All three networks bill Medicare for eligible IVF, IUI, and ICSI cycles. There is no age or cycle limit on the Medicare rebate in Australia, unlike the NHS in the UK. The Medicare Safety Net covers around 80% of out-of-pocket medical fees once you reach the threshold (AU$2,544 in 2026 for most families). PBS-listed fertility medications (Gonal-F, Puregon, Pregnyl) are subsidised at all three networks once a doctor prescribes them.
Which is best for donor or LGBTQ+ family-building?
Genea has the longest-established donor sperm and donor egg programmes in Australia and is widely chosen by single women and same-sex couples. Monash IVF has comparable donor programmes and is the largest provider of egg freezing in Australia. City Fertility runs LGBTQ+-friendly clinics with rainbow-flag accreditation, and partners with Rainbow Fertility for streamlined donor pathways. All three comply with Australia's strict donor-conception laws (donors are non-anonymous; offspring can identify donors at 18).
Should I use a low-cost bulk-billing clinic instead?
Bulk-billing clinics (Adora Fertility, IVFAccess, Connect IVF, Primary IVF) cut out-of-pocket costs to AU$1,500–2,500 per cycle vs AU$4,500–6,500 at full-service clinics. The trade-off: fewer ultrasounds, less specialist time, sometimes pooled embryology, and limited add-ons. Clinical outcomes are broadly comparable for straightforward cases. For complex cases (recurrent failure, severe male factor, advanced age), full-service clinics tend to deliver better support.
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