Me and OH decided we will try the natural approach till February, then if no BFP move to iui depending on how his SA #'s are looking. IUI at my local clinic is only $345, but the initial consultation is $370. Of course meds will cost more if I do a medicated cycle, but insurance pays for that. My ins doesnt cover anything infertility. My GYN coded my HSG so it was covered both times.