My cycles were covered by Medicare regardless of the gap between. So unless there has been some changes I don't think that's an issue.
I didn't do medicated FETs said so I can't answer your question except to say that she probably knows what's she's doing and wouldn't suggest it, if it mattered. There are lots of different protocols and everyone needs a different strategy.
My DD is from an FET. It's much easier on the body than a Stim cycle.
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