Your advise please

Ch

Anyone have insurance plan that covers infertility? I'm 20 years old, After only my first 50 mg round of clomid I have a 5cm cyst on my right ovary so doctor doesn't want to go any farther. I've been referred to a reproductive endocrinologist but my insurance plan doesn't cover it, it's $270 a visit and I just can't afford that. Anyone have any ideas what I can do? Should I just switch Ob's lol