upset

Hey guys. I was seeing a fertility doctor for 3 months to see if it would help my husband and I TTC after 4 long years. I have been told since I was 12 I would never have kids because of the PCOS. Well my insurance decided that it was no longer going to cover fertility. When I called the insurance company to just find out if it was me or everyone the lady on the phone told me it was everyone because having a baby is not necessary and she didn't see why I was trying to have one because they're a nuisance. This devastated me and now I can only see an OBGYN (who has told me she can not prescribe anything or help me) I feel like my chances of having kids are out the door forever. I gave up trying to have kids a year after because everyone told me it would help. Well it hasn't and I don't know where to go from here. I was told that I had to pay for everything out of pocket but who has that kind of money?