Fertility treatment

Ok went to c doctor to get my hubby semen analysis done , so he referred us to hospital which will be a waiting game till March , but what is bothering me is that the doctor said we  will have to pay for the cost of any treat ment if anything is wrong with us , I hope there is nothing wrong with us. Just wanted to ask has if any couple been paying for the treatment . Which I thougt it might be free. Good luck to all