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My insurance doesn't cover an AI treatments either. I went to my OB/GYN for the first time the other day just to talk to him and see what to do. He suggested that if I don't have any issues with fertility to do the ICI and come back to him when I get my BFP. After a BFP, insurance will cover my visits and labs because they cover maternity costs....
So that is what I am doing. I am someone who likes things to go right and I am scared about doing it myself at home for there's a chance I could mess up, but it's worth a try. That way, it's more affordable (babies are already expensive enough and I don't want to go into it broke!) because I only have to buy the sperm and pay for shipping. I have enough money to do about 4 cycles if I need to.
I would love to be someone to support you and your decisions even though I live in AZ. Send me an email if you want! rwhitfield4@cox.net
Beca