It could indeed be a problem, but our insurance is dumb, and my Dr. can't/won't do anything about it until we have been TTC for at least 6 mo. without a BFP. And THEN, even dumber, I have to go through their "class" on charting and chart for another 6 mo. before they'll believe MY charts.

I went in for a "pre-conception" appointment in September (long story, but the appointment was supposed to happen in June and the HMO messed up...) so that I'd get into the system ASAP. My Dr. is sympathetic, but we still have to jump through the hoops of the HMO. She said we might be able to shave some time off of the 6 mo. of charting after the class, but they need to have me documented as doing the follow-up with the class instructor for at least 2 months before she can get approval to give me any treatments for issues in my cycle.
What's extra annoying about this is that DH was going to get us off the HMO and upgrade to the PPO insurance at his work, but he was laid off in August and we're stuck with the HMO for now. He has a contracting job now, and the benefits really stink, so we're still on the Cobra. I keep telling myself "at least we have insurance. At least we have insurance." But I still hate our HMO!