I'm sorry you're so frustrated by the system. I'm sure there are doctors that will allow you to make payments. First, you want to identify the doctor who has the best track record for getting women pregnant.
Todd, has given you some great advice as well. The key is, to advocate for yourself and as Todd said, don't be afraid to ask.
-Read as much information as you can get your hands on.
-Ask as many women as you can, who they think is the best fertility specialist in your area.
-Start calling those fertility doctors to see if they will agree to some form of monthly payments
-Find out their track record...what's their success rate
Thanks for coming to EmpowHer to Ask your question. You are headed in the right direction, Lola.
Good luck and let us know if there is something else we can help you with.
Best in health,