I'm in California, so I right there with you on no insurance coverage. I have been on Clomid for 8 months and the next step is for me to go see a FS. We are putting this off for a few months because I just started a new job. We have been paying for monthly visits to the gyn and the clomid prescription. Minimal cost compared to what I fear is coming next. I am going with Dr. referrals. My Gyn that was awesome moved out of the state right before I decided I needed to seek help with TTC. I have a totally awesome GP who referred me to a Gyn here. The Gyn is going to be referring me to a FS when I am ready for that. For the FS I will have to travel out of town, because we don't have any in my area. I would do research and have a consultation and see how you feel about the FS. Make sure you see someon you have confidence in. Also, I was talking to my Sis-in-law as she has PCOS and had fertility assistance to conceive her first after 7 years of trying, and she said there was a lot of it that insurance did cover, and they sat down with her and went over what would and wouldn't be covered before they proceeded. Remember it all depends on how it is coded so if some things can be coded something other than fertility then you may get it covered. For instance my Rx and monthly visit is not covered, but my lap in January was and my blood tests are. The lap was for treatment of endo, so they covered that even though my only reason for doing it was fertility reasons. Good luck and keep us updated.