We have something called medicare. If you go to the GP for something and it costs you say $50, you will get about half that back on medicare.
If you're married, or have a family then there is something you can join called medicare safety net. That means that once your medical bills excede $2000 in a year then you get more back.
For IVF, its roughly $8-10,000 but you get about $6,000 of that back on MC, more if you're in a heath fund which we are not because its soooooooooo expensive for what you get.
My Mum is going to help us out with our out of pocket costs - she is very well off and supportive, so one less thing to worry about!