Hi Sandhya, You are right , those infertility treatments in USA are very expensive. As suggested by IL's India is a less costly in this regard. My sister in law couldn't concieve for seven years. She recently had a baby girl, my precious niece got concieved through IUI procedure though. She is 25 days old now and healthy baby. Even cost is expensive there too but compertivly to US in India its much less expensive. But I don't know if you and your husband can spare some extra time to stay in india. Which you both have to decide. My sister in law dr name is Bala, she is iInfertility specialist in sector 21, chandigarh. She is very famous doctor. Some knowing families had a succssful case from that doctor, so my sister in law got treatment from her also and by god's blessing they are blessed with child. Wish you good luck. As far I have did search in US no insurance company covers Infertility treatments. Good luck and baby dust on you.