Hi if you are under 40, you can use grant n medisave at the government hospitals sgh/kkh/nuh. If you choose to be under subsidy, then you can't choose the doctors to scan during your treatments and consultation but the fees would of cos be lower than pte practice. If you decide to see the popular doctor at the government hospitals then the scans and consultations will not be subsidized.
It depends on the check with the fertility doctor, you may try iui which is a lower cost procedure less invasive and just spend the first 2-3k for all checks on you and hubby and claim the grant n medisave.
I am with nuh with prof Wong and dr anu. failed 1st iui and now at my 2ww for ivf. I fork out abt cash 8-9k till now already.
If you choose doctor, then don't need to get referral letter. But you may get your Gynae to issue you one so that they can know your problem or hubby problem. Anyway they will still order you to go through all the necessary tests. All these tests will be your upfront. Can't claim one
Good luck to you !!