Within minutes, Wallace committed to help. All the woman had to do was share her first name and last initial. The clinic would directly charge the Tampa Bay Abortion Fund for the balance, and the woman could move forward with her appointment.

In Florida, an abortion can cost between $600 to $800, during the first trimester. Florida law requires a mandatory in-person consultation and an ultrasound, followed by a 24-hour waiting period.

Since 1977, the Hyde Amendment has severely restricted the use of federal funds for abortion care. In practice, that means Medicaid doesn’t cover it — unless individual states cover the entire cost with state funds.

Florida Medicaid does not cover abortion care, and state law also bans coverage by insurance plans sold on the Affordable Care Act marketplace.

Many patients must therefore pay for the entire cost, and have little time to gather the funds under the state’s six-week ban.

Bree explained that many women don’t even know they're pregnant by six weeks. But if they do, they often have just days to act.

“Especially with six weeks right now you're kind of working against time, you don't even have time to even get that money,” Wallace says.

Before Florida’s six-week ban went into effect last spring, some patients could have saved up their own money. But now they need the fund’s help, says Wallace.

At the Abortion Fund of Arizona, declining donations have forced spending cuts. In September, the Fund spent about $18,000 assisting patients — half of what the Fund spent in July.

Often, that monthly allotment is gone in just two weeks, and staffers must turn down requests for aid, or tell patients to try again next month.

“It's a really terrible position where we're having to give people ideas about how to raise money on their own,” says executive director Eloisa Lopez.

“'Can you ask your family or friends? Do you have a credit card? Could you take out a line of credit? Do you have items in your home you can sell?’”

Since most states near Florida also ban abortion, patients past the state’s six-week mark are traveling to places like Washington, D.C. or Illinois for care.

Between last-minute airfare and hotel stays, that can push the price up another $1,000.

“There's also taking off work. That can be hard for a lot of people, finding childcare,” Wallace says. “Sometimes this is the first time people have ever been on a plane, ever left Florida...it can be really confusing and stressful.”

Earlier this year, the Tampa Bay Abortion Fund decided it could spend fifty thousand dollars a month helping pay for procedures and travel. But since May, it’s regularly blown past that limit.

The fund doesn’t want to turn down someone who really needs help, Wallace says. She read out loud a grateful text she recently received from a client.

“‘Thank you,' with a million exclamation points,” Wallace reads from the screen. “'Thank you so much,' with even more exclamation points. 'I appreciate you for what you do, you just helped me more than you know.'"

The Tampa fund hopes to do more fund-raising this fall. But if future donations don't keep up with spending, it will completely run out of money in 3-6 months, according to Wallace.

Because of the federal Hyde Amendment, abortion funds must turn to private donations from individuals, community groups or foundations.

But in many states, federal and state funds are used to support crisis pregnancy centers that oppose abortion and often try to dissuade people from getting an abortion. In the last 5 years, about $400 million dollars in federal money flowed to crisis pregnancy centers across the country.

In addition, states have also allocated millions for these centers – last year Tennessee funneled $20 million, and in North Carolina legislators set aside $12.5 million for the next two years.

This story comes from NPR's health reporting partnership with WUSF and KFF Health News.