Can’t get pregnant?


So my significant other and I have basically said that we aren’t “trying” to get pregnant but at the same time we aren’t not trying. We have unprotected sex and I am not on birth control. There has been countless times that he has came inside of me and right on or around ovulation. But my period always comes (sometimes late). Do you guys think the stars just haven’t aligned yet or should we both look into getting our fertility statuses checked? I don’t know if that would be an out of pocket expense or if insurance covers that kind of stuff usually?