When to see a doctor???

Leah

My husband and I have been TTC for 13 months and still BFN month after month. I know technically they say to go see a Dr after a year but part of me still has hope that we will be successful (but when???). Also, I’ve read that if they say you can’t conceive and you magically do, then insurance may not cover the birth the same way because it has been documented that you’re infertile. Anyone have advice on going to the Dr or read anything like this?