Private I'vf treatment

Just need a few opinions please to see if this has happen to anybody else I know this is not the group to post I'm just unsure of where and wondering if anybody can help. I have a four year daughter and have been trying to get pregnant for the past 3 years also had three misscarriages very early on. Had all the tests done and everything seems to be fine but still not pregnant I feel it takes me ages to fall but anyways we decided to go private with I'vf but I had a call from Doctor sayin that she would not allow me to have I'vf privately because I can get pregnant by she still wanted to see me to explain we have an appointment on Thursday and just need some advice on what to say to her as this has been a long rollercoaster and thought this could be an option for this.