Do I have to pay for IVF?
If you have access to a private health plan or you live in a country where IVF is part of the government health scheme you may be able to have your IVF treatment funded. In the UK the Primary Care Trusts decide who is eligible for funded fertility treatments. For most heterosexuals if you have identified fertility issues you will be entitled to up to three IVF cycles funded by the NHS.
If you have an unidentified fertility issue and have been unsuccessful in getting pregnant after trying for at least three years, as a heterosexual you will be entitled to up to three funded cycles of IVF but as a lesbian you would not be entitled to any funded treatment!
Costs for IVF treatment vary greatly around the world. You are about to spend a lot of money on this treatment so do your homework. Contact several clinics and ask them what their success rates are (age related) and what their fees are. It may be worth spending a little more money on a clinic that has much higher success rates.

Further Reading:
Will I be able to have IVF?
What are the IVF success rates?
Related Articles:
Home Insemination
IUI
Natural Insemination