Frozen Embryo Transfer Cost
Estimate the out-of-pocket cost of a frozen embryo transfer (FET) in Australia after the Medicare rebate. Indicative 2026 figures, clinics vary.
Your frozen embryo transfer cost details
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A frozen embryo transfer uses embryos already created and frozen in an earlier IVF cycle, so it skips egg collection and stimulation and is far cheaper than a fresh cycle, which is the main reason banking embryos in the first cycle can be good value.
💰 Ways to save
- Ask whether the quote bundles the thaw, the transfer, the monitoring scans and any medications, or bills them separately, because a low-looking transfer fee can sit alongside a separate medication and monitoring bill.
- Use your frozen embryos before starting another fresh cycle where clinically appropriate, because a FET is a fraction of the cost of a fresh IVF or ICSI cycle, so banking several embryos in one collection can give you multiple affordable attempts.
- Check the ongoing storage fee, commonly $300 to $600 a year, because it continues for as long as your embryos stay frozen and quietly adds up, so ask how it is indexed and what happens if you move interstate or pause payment.
- Time transfers within one calendar year where sensible, because the Extended Medicare Safety Net raises the rebate once your annual out-of-pocket medical costs pass the threshold, so a later transfer in the same year can cost less.
or from $20/week over 5 years , indicative finance
How we estimate this
## What a frozen embryo transfer costs
Pricing reviewed: June 2026.
Understanding frozen embryo transfer costs in Australia
What a frozen embryo transfer costs
A frozen embryo transfer (FET) in Australia typically costs around $1,800 to $4,500 out of pocket in 2026 after the Medicare rebate, far less than a fresh IVF or ICSI cycle because it skips egg collection, stimulation and most of the laboratory work. The embryo was created and frozen in an earlier fresh cycle, so a FET covers thawing the embryo, a short course of cycle medications or monitoring to prepare the lining, and the transfer procedure itself. That is why clinics and patients often describe embryo banking in a fresh cycle as buying several cheaper future chances at a pregnancy.
Medications, monitoring and storage
FET medications and monitoring are lighter than a fresh cycle but still add to the bill, commonly a few hundred dollars depending on whether you have a natural or medicated cycle. Separately, the embryos incur an ongoing storage fee for as long as they remain frozen, usually in the order of $300 to $600 a year, which is easy to overlook when comparing the transfer fee alone. Over several years that storage can rival the cost of a transfer, so treat it as a subscription and ask how it is billed, indexed and handled if you relocate or pause.
How Medicare and the Safety Net apply
Medicare rebates a share of an eligible FET just as it does a fresh cycle, with no cap on the number of transfers for eligible patients, so the out-of-pocket is well below the full fee. The Extended Medicare Safety Net is particularly relevant for FETs: patients who have already had a fresh cycle in the same calendar year may have passed the annual threshold, so a subsequent frozen transfer can attract a much higher rebate and cost noticeably less. Patients without Medicare eligibility pay the full fee.
Why FET is the value step in IVF
The economics of IVF reward getting more than one usable embryo from a single egg collection. A fresh ICSI or IVF cycle is the expensive part because of the stimulation, the retrieval under sedation and the lab work, whereas each additional frozen transfer from the embryos banked in that cycle is a fraction of the price. For many patients the sensible financial plan is to aim for several good embryos in the fresh cycle, then draw on them through successive affordable transfers rather than repeating a full fresh cycle each time. When you compare clinics, compare the full out-of-pocket including thaw, medications, monitoring and the first year of storage, not just the headline transfer fee. These are indicative figures, so confirm your quote, rebate eligibility and storage terms with the clinic and Services Australia before committing.
Frequently asked questions
How much does a frozen embryo transfer cost in Australia?
Around $1,800 to $4,500 out of pocket per transfer in 2026 after the Medicare rebate, far cheaper than a fresh IVF cycle because it skips egg collection and stimulation. Light cycle medications and monitoring add a few hundred dollars, and ongoing embryo storage of roughly $300 to $600 a year continues separately.
Why is a frozen transfer cheaper than fresh IVF?
Because the embryo was already created and frozen in an earlier fresh cycle, a FET only covers thawing it, preparing the lining and the transfer. It avoids the expensive parts of a fresh cycle, the ovarian stimulation, the egg retrieval under sedation and the bulk of the laboratory work, which is why banking several embryos in one collection gives you multiple affordable attempts.
Does Medicare cover a frozen embryo transfer?
Yes, for eligible patients Medicare rebates part of each FET with no cap on the number of transfers. If you have already had a fresh cycle in the same calendar year you may have passed the Extended Medicare Safety Net threshold, so a subsequent transfer can attract a higher rebate and cost noticeably less.
What ongoing storage costs apply to frozen embryos?
Clinics charge an annual embryo storage fee, commonly $300 to $600 a year, for as long as the embryos remain frozen. Over several years this can add up to as much as a transfer, so ask how the fee is indexed, what happens if you move interstate and how billing works if you pause, discard or donate the embryos.
How many transfers can I get from one egg collection?
It depends on how many good-quality embryos are created and frozen in the fresh cycle, which turns on your age and ovarian response. Some patients bank several embryos from one collection and use them across multiple frozen transfers, while others get one or none. Ask the clinic for a realistic expected embryo count for your situation.
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