Still waiting for my period

Stacie • Mother to Ben 👦, Bash 👦, and Braxton 👶, 420 enthusiast 🍁🔥💨, lover of life 😍✌
Hey guys! 
​I'm 11 dpo and my period is supposed to start on the 6th... I took a hpt this morning and unfortunately it was a bfn! :-(
​So after drying my tears and composing myself, I've started to research why I haven't gotten pregnant... Maybe because I'm missing the right time, maybe DH's sperm is bad, maybe my eggs are bad. I don't know. 
​I want to make an appointment to see a doctor, but I'm scared what the results will be. I want DH to make an appointment to see a doctor, but he's worried about doctors bills.
 We both have very good insurance but I don't know if insurance will pay for fertility ( or infertility ) treatments. 
​Ok... I'm gonna stop rambling before I start crying again.