I've commented on this before, I do agree with some of the other sentiments that we are individualizing the problem. It's up-to each person (or couple) to navigate it themselves. For example, in Canada, the federal government announced a tax credit (up to 25%) for spending related to fertility treatments. For my partner and I, it took a professional accountant (with related costs) to navigate that system.
IVF and IUI (and now, IVM) treatment cycles are largely handled by private clinics that receive funding from provincial governments and, by extension, federal. Even with first-class health insurance, from employers, and government grants (paid to the doctors) there are out-of-pocket costs (ex., vitamins, supplements, missed work time, medications, genetic testing, sperm washing...). In our case, after multiple years, our health insurance coverage has dried-up (~30,000 CAD) and our lifetime grant eligibility for IVF (one treatment cycle) has finished. We could have easily exhausted our financial resources, (ex., investments, pensions, re-mortgage, lines-of-credit...), but with less chance to conceive daily, it's a race of diminishing biology. The opportunity to conceive a healthy child has been erased by time.
This added to the emotional and social costs of not being able to have a child. In my field, I find colleagues to be judgmental of working adults without children. As if having a child of your own gives you this magical insight into working with children that childless adults do not posses. I've started answered the question: "Do you have kids?" by saying, "Not by my own choice." This hopefully communicates that I've tried, but at a certain point a decision had to be made about whether to continue.
My spouse has taken all of the physical toll of the treatments. The male's job is to provide a sample, see their doctor, and sign the paperwork. By contrast, my wife has had early morning or lunchtime appointments (in an effort to not miss work) 3-4 times per week during certain monitoring or pre-proceedure periods. She has been subjected to blood testing, hormone therapy, daily injections, invasive ultrasounds, bruising, repeated pharmacy trips. All this in addition to phone-calls to remind staff at our clinic what the doctor recommended or asking the clinic reception for confirmation of a certain prescription or guideline. Of course, she undertook all of these responsibilities while internalizing the trauma of our familial reality.
My partner is strong, resilient, and beautiful. I owe her more grace and more appreciation than I can ever give.
My daily reminder to myself is to remember that my partner are I are already a family. Our commitment to one another has not changed. Although our lives may look differently then we may have imagined, it will not be any less meaningful.