Insurance Coverage for IUI/IVF

Can I ask what everybody is doing financially to pay for IUI or IVF? My husband and I need to go that route but our insurance has a lifetime cap of $7500. Most other insurances that would cover some or all of either procedure are too expensive monthly. I desperately want a baby we've been trying for 2 years but I don't want to go into debt over this. Does anyone know anything about supplemental insurance or something that isn't too expensive?