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Step 2: Costs and timing

2.1 Public funding options

1. Check eligibility criteria
2. Prepare records + submit paperwork promptly
3. Expect waiting time (limited funding)
4. If approved: you’ll be assigned to a participating clinic

2.2 Grants and foundations

• Some foundations provide assistance; availability is limited and competitive
• Prepare for detailed financial disclosure if applying

2.3 Private treatment costs (typical categories)

• Cycle fee
• Medications
• Optional extras (ICSI, freezing, storage)
• Multiple cycles may be needed

2.4 Paying the clinic: payment plans

• Ask about instalments and interest-free options
• Check admin fees, penalties, early/late charges, total cost

2.5 “All-in” packages

• Read T&Cs carefully
• Compare against pay-as-you-go + potential insurance supports