Insurance doesn't cover infertility

We have not used birth control for 3 years and have a really been TTC for one full year now. My health insurance isn't the greatest right now so it doesn't cover infertility checks or treatment....does this mean my doctor can't even check me for possible pcos or put me on clomid?? Honestly she's been a real b*tch about the whole thing :( I'm feeling like it's hopeless.