Are you going to test? I so hope this is it, but I know what you mean about knowing your body. Try to stay positive.
In the US each state has different medical laws. Florida doesn't have any laws about infertility treatments, so no one will cover it. I think there are only a few states that require insurance to cover infertility. My ob/gyn does some infertility that is not so expensive (about $200 a month), but I did that for 6 months and nothing. The next step would be a RE and Invetero, but that would be like 8,000-10,000 for each round. I'm not ready for that- nor do I know if I want to do that.