Janie,
Sure you don't want to hear this but starting next year might not be such a bad thing. If you are not sucessful on your first go (and you do a cycle this year) you will end up paying the medicare threshhold twice. It could save you a couple of thousand dollars...something to think about...
About that... we have hit our threshold this year already, does that mean it's cheaper for us to do IVF in December than it will be in January? Because if that is the case I want to do a big EPU this year and only FET's next year.