Hi Allie - glad you found us!
I saw a doctor years ago when I was TTC. I had unexplained infertility, lots of tests, treated with Clomid with u/s monitoring, and finally the doctor tested me and discovered PCOS. I got PG right away after Metformin straightened out my cycle.
My insurance when we first started going to the RE covered NOTHING - no tests, no meds. But it did cover the office visit. We paid about $500 (about 12 years ago) for the first round of testing.
Me second insurance covered testing to confirm a diagnosis of intfertility, but not treatment - so basically everything was covered but medications. My meds were not too expensive, but when we went past the first couple of months, the doctor wanted to try injectible medications to make me ovulate. We decided to take a break, and I was tested and finally treated for the PCOS.
TCOF is a great book (so I am told), and will help you even in your situation. It will teach you how to chart your cycle, and how to look for signs of ovulation. Those pieces of information will help your doctor figure out what is going on with your cycle, and help him figure out how to treat you.
My advice for your doctor's appointment is to write down as many questions as you can think of, and ask away. Don't let your RE push you into treatment you are not prepared for or do not understand. Make sure you aren't rushed during your appointments, either.
It seems to me that there are plenty of other options for you before IVF, so you might be able to afford more tries than you thought.
Lots and lots of luck to you!
Denae