Well..that sounds like good news!! If they will submit $13,000 to your insutance, then that is pretty good. Don't forget that their is a $500 fee just to look at the donors once you complete their requirements. That's why the fee is $16,500. You also must pay $250 for the consult unless you have insurance. I do think RBA would work for you since you are under a time crunch. Just get working on those pre-cycle requirements and don't ask for my Dr- Dr. Toledo if you are in a rush. He had a 2 1/2 month wait when I made my initial appointment. Many ladies go to Shapiro who is the head of the clinic and has had excellent results. His wait is not as long. There are others with shorter waits.
BTW...no worries on the insurance thing. I too once had insurance coverage for my OE IVF's. Just no longer have it as I did the max cycles and have aged out. Better believe that I appreicated that I had what I did!! Keep me posted!!