When my wife and I did this we found that the drugs, the most expensive part of this were covered by our health plan. Don’t let the price tag deter you, you may find that most health plans will cover the drugs, yes agreed about $10K of the total cost. The reason that health plans cover the drug costs is that some of the drugs have other uses as well, one of them is used to treat prostate problems in men. At the end, you may find that you have peace of mind for $2–5K. the IVF portion will be another cost but that is down the road, and now you have a plan for that.