Help! Advice needed

Debora • Girl born 12/2008 & Boy born 10/2017 Baby girl due November 2019

I have one embryo frozen from last cycle. It was frozen December 2016, hospital cover fees for one year any more time after that is out of pocket. The year ends mid December of 2018. Does anyone know if the will charge me even if I’m set to use this embryo in a transfer for January 2019? My other option is to ship it from Boston to Rhode Island where I live and try to do fet here, but I heard shipping costs a pretty penny too. Advice anyone? My doctor in Boston is not available until January 2019 this is why.