@Mink, I'm at IVF Australia. So when I had my first stim cycle in October we knew and planned for it to be an all freeze cycle because of the risk of OHSS and that we would implant a frozen embryo the following cycle. So during the stim cycle I was charged the usual $8k for a full stim cycle and then when i transferred an embryo a month later I didn't have to pay anything because during a usual stim cycle you end up transferring an embryo anyway.
I dont know if thats how it works with every clinic but thats what was planned for me. I have private health insurance so I dont have to pay for any hospital admission costs either.