Flowering01_01

Step 1: Evaluate your existing supports

1.1 Employer benefits

• Check your employee handbook / HR portal / contract
• Ask HR confidentially what supports exist (reimbursement, paid leave, EAP)
• If relevant: union supports or policy guidance

1.2 Health insurance

• Review your current policy for fertility benefits and limits
• Compare plans carefully (watch waiting periods if switching)
• Ask about direct pay (insurer pays clinic vs you paying and claiming)
• Use HIA.ie to compare, then confirm with insurer by phone

1.3 Drug Payment Scheme (DPS)

• Monthly household cap can significantly reduce medication costs
• Register at your preferred pharmacy
• Prefer single-month dispensing to manage timing and cashflow

1.4 Tax relief on medical expenses (20%)

• Track qualifying expenses throughout the year
• Keep receipts tidy (photo + folder works)
• You can claim back for up to 4 years (useful if you missed earlier)