Melly - Welcome.
I am 36, will be 37 in January. Started NTNP in Oct or Nov 2012 and charting in Jan 2013. Got pg in March - chemical, got pg in April MMC at 8 weeks. I have had some testing done, just blood work, and all is normal so far. If I miscarry again or don't get pg in a few months I will see a specialist.
For me, I am not ready to begin IUIs and I don't know that I can afford IVF at, what - $20,000.00 or something like that? Not covered by insurance.
Also, I have been getting pregnant, just not holding the pregnancies. Like I said, you just have to feel it out. Most specialists in the US will not treat you until you have been trying for 1 year or are 35 and older and have been trying for 6 months.
Try not to focus on the bad outcomes if you haven't yet begun your ttc journey. (Although everyone in this post has had at least one loss.)
See how it goes. You may find that you get pregnant quickly. It can be stressful seeing negative tests but most women don't get pregnant right away.
If you do find yourself in a situation where you need to see a fertility specialist, you can get an appointment within 3 months at most. Usually less.