The best approach would be to have the husband and wife use their own egg and sperm. If a donor is chosen for either the egg or the sperm, the couple could encounter serious emotional problems later on. The biological parent often feels attached to the child while the other parent who is not a biological parent of the child lacks the close connection. It is good for a couple to set some limits. Otherwise their emotions may draw them deeper and deeper into an expensive area.
Some insurance companies cover part of the cost for a set number of procedures.
Usually a number of eggs will be retrieved from the mother at one time since the process is both invasive and costly. Since eggs do not freeze as well as embryos, they are usually fertilized. We recall again that life begins at conception. If the unused embryos are destroyed, that would be taking human life, which God forbids. Another factor is that only about two thirds of embryos survive the thawing process.