Financial Cost of IVF...

hi everyone...so I have been trying for just over a year to get pregnant..my OBGYN told me today that I should make an appt with a fertility specialist...I called my insurance to verify I would be covered and they told me only the testing is covered. IF something is found then they will not cover treatment at all. I know the price will be very expensive but has anyone ever been through this and can give me some ideas? I am praying that everything is OK but if it isn't my fear is that I will not be able to afford to get pregnant...I'm so worried here