Schedule consultations with several qualified physicians to compare charges for the procedures you may need. Compare prescription prices. Many times the small pharmacies are less expensive than the big chains. Seek out individuals who have excess medications. Your local infertility support group or doctor's office may be able to put you in touch with someone who wishes to sell or even donate medications they no longer need.
Bundle expenses into one tax year.
Pre-pay procedures and medications. The tax reduction may be in your favor even if you must borrow money to pre-pay. If you borrow money, make the interest deductible. Once again, this will reduce your federal tax bill. Access retirement funds.