Kristy,
I did IVF/ICSI. This only applies to couples who have sperm quality as well as quantity problems. This will not make much difference in the whole process except for the fertilisation part. With IVF, sperms are put with each of the eggs and let the sperms do the fertilisation themselves whereas, ICSI is to inject a sperm into each of the egg by the embroyologist. The cost will not be of much difference too. I did mine with KKIVF and the staff there were wonderful.
Alien,
Don't worry, You are still quite young. You are 1 year younger than me. Just be patience as every step is a test of our determination, patience, perseverence and tolerance. Just keep the ultimate goal in mind and take every step as a little step towards the ultimate goal.
I paid about all in all, after the deduction from Medisave, $1700 to $1800. Before Medisave, we forked out about $3k+ cash for the reg, counselling, medicine, insurance and so on. Medisave will do the refund a few weeks later after you have completed the process. Hope this information will help to elevate some of your financial worries.