sub / too many quarters

[BOBBYMO]

I had a sittuation last night that I have never ran into in 12 years of officiating. Between 3rd and 4th quarter after the 1st buzzer a coach sends a player in to sub. I catch the coach and tell him the the player has to wait till the 1st dead ball as she reported too late and that I needed the girl who finished the last quarter to come back into the game. The coach told me that he couldn't do that as the player who she was subbing for would then have played in too many quarters.
I could only think of three options that they had....

1. Keep that girl in and start the quarter with a T ( although I am not sure that I can keep a girl in knowing that she played in too many quarters).

2. Start the quarter with 4 players and the sub could could enter on the next dead ball.

3. Coach could call a time out to be able to get the girl checked into the game.

I think these are my only 3 options.. Can anyone else think of any more????