I don't really know the Louisville area, so I couldn't help you there.
St. Joseph East and UK Hospital both have financial aid programs. At SJE, it doesn't cover the doctor's visits (idk about UK), but it did cover lab work. I'm not sure about UK, I just know they do financial aid as my husband had back surgery there.
If you have insurance, it may cover some of the bloodwork and stuff as well.
What kind of doctor are you going to right now? An OB/GYN? Could they refer you to a FS?
I agree with you, it does stink to have to pay all this money to try to get pregnant! Since DH and I are paying out of pocket we are just going to do the Clomid, then if that doesn't work I might ask about Femara as I've heard that it works for some women that Clomid didn't work for, and then maybe we'll do the shots if my doctor takes us that way, but we can't really go more expensive than that.
We do plan on looking into fostering-to-adopt eventually (regardless of whether or not we have biological children), as it seems to be the best option (financially) out there as far as adoption goes. I would love to adopt internationally but I can't justify spending thousands of dollars to do that when there are children in need right here!