In what kind of world did you expect that "X is free for me" would imply that nobody is getting paid for anything regarding an IVF treatment? It clearly means that, _other than paying taxes like everyone else in the free world_ I do not have to pay for it.

This is at the same level as finding a free penny on the street and going "No, but hang on, _someone_ paid to mint this penny so I am extremely confused as to why you would say this penny is free?!"

I hope the other posts in this subthread have made things explicit enough for you, and perhaps you can use this discussion as a heuristic for parsing these kinds of statements in the future.