If passed in tonight’s budget, the cost of accessing IVF treatment could exceed $2000 per cycle.

Ms Tewhata has been trying to fall pregnant naturally for the last two years without success. She and her husband Luke Marks plan to turn to IVF if Ms Tewhata has not conceived in the next six months.

“We took up private health insurance when we realised that we would probably have to use IVF in order to fall (pregnant),” she said.

“We have been trying to save but with a mortgage and two cars to pay off there’s not a lot of money left to put aside.

“There’s also no way of knowing how many times we will need to try and how much money that will cost.”

According to Ms Tewhata, IVF treatment is the last area where the government should look to make budget cuts.

“This does seem to be all about money ... it’s not a woman’s fault if her body stops her from being able to have a baby.”

With both she and her husband coming from large families Ms Tewhata would like to have two or three children.

“Of course we will be happy just to have one ... and realistically we may only be able to afford to have one,” she said.

“It’s not like there are many people who will be able to pay thousands of dollars to try and have more than two babies.

“At the moment every cent we save we put away ... we never thought that having a baby would be such a drama.”