You can also try ARC.
http://www.arcfertility.com/
You still have to pay heaps (though they accept credit cards) but the benefit is a One Cycle Plus includes most costs associated with IVF PLUS egg freezing and a frozen cycle if the first one doesn't work. So, essentially, it's buy one, get one free.
You can also choose Two Cycle or Three Cycle--but if you get pregnant in the first one, there isn't a refund.

In MA (which I know you're not) infertility treatments are mostly covered by insurance. Maybe we should all move north. It's a lovely state and winter'll be over in a two or so months.

r