If the Koskies think they can't afford the $15,000, why do they think they can afford to raise a child in this day and age?
I don't understand why they just can't pay it themselves as they are both working.
IME, you are required to pay for the procedures up front. It can take several cycles to be successful, and that really adds up. Wonder what this couple will do if they aren't successful first time around? More cyberbegging?