Ladies..has anyone been told they almost basically have a 0% chance

Hi all. On Monday DH had a follow up appointment for his 3rd semen analysis. We did not get good news. He has very low sperm count and absolutely no motility. So, the next step is to get a hormone panel and genetic testing done, then in 4 weeks we will get a verdict. His urologist told him that if he has a certain y chromosome microdeletion, that we absolutely cannot have children, that there's no way possible. But if he doesn't have it, the only way to get pregnant is through IVF. We were devastated to say the least because i dont know if our insurance will cover IVF ( we both have Kaiser) it's literally a 50/50 chance we can ever have a child of our own. Tonight we did the deed and I was so disconnected that it almost felt forced. (on my end) but of course I didn't lead that on to make him even think for a second. My mind has just been somewhere else since yesterday, I know it's out of his control and I hate that I'm feeling this way but I can't help it. Any positive stories or words of encouragement or prayers are appreciated ladies. Thank you