Real talk:IUI #2, no meds, no trigger shot and no pre-testing bloodwork at clinic (only OPK)

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Insurance required me to do 3 iui before they would contribute to ivf

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What's the reason for iui then?

Real talk:IUI #2, no meds, no trigger shot and no pre-testing bloodwork at clinic (only OPK) <35 and using donor sperm. Help a sister out, are we wasting time/money? Bc