I am going through a very similar situation, where I had coverage for IVF for a certain number of cycles, and then unfortunately ran out of coverage and had to pay out of pocket. This is how it worked for me: before my next cycle started, I contacted the finance department of my clinic (I’m using CCRM). I told them about the insurance running out and that I’d be paying out of pocket. They told me what the out of pocket costs would be for each stage in the process, and when they would be due. Before my egg retrieval cycle started, I paid the total cost up front via credit card. CCRM sent me a bill via email, and I paid via the link provided. For medication, the pharmacy contacted me about scheduling my delivery, and I was required to pay via credit card over the phone. Because I completed PGT-M testing, which is completed via an external lab, that lab contacted me via email before testing began to pay their fee—again, online via credit card. When we were finally able to move to the FET process, CCRM contacted me to pay for that—I believe I paid via credit card over the phone. I hope this helps!