Donor egg is the most reliable way today of achieving a pregnancy. Because we do not now have the ability to effectively induce ovulation in women with POF, we recommend donor eggs but do point out that pregnancy is a rare but real possibility. You should not be afraid to take estrogen. In people like you taking estrogen does not seem to prevent pregnancy. Failure to bleed in response to monthly progestin should indicate the need for a pregnancy test.
Costs vary widely depending on the program and the region of the country.
Technically doctors can't discuss their prices with each other because that might constitute price fixing. Women with POF clearly benefit from estrogen. You are at increased risk of losing bone rapidly and of cardiovascular disease. If you have a uterus, you should take a progestin as well. Estrogen replacement is warranted because of the bone loss that occurs and because of the other problems associated with estrogen deficiency.