How do you afford IVF?

My DH & I have been TTC for 2 years now. I've done 6 cycles with Chlomid & now we are getting ready to see further reproductive specialists. I knew they'd want more recent testing (even though it's been less than a yr since our last testing) but it'll be roughly $3500, just for testing! Based on the past year of events & testing our dr has already suggested that with both my husband & I having fertility issues <a href="">IVF</a> will be our only option. We have health insurance that won't cover ANYTHING! No blood tests, ultrasounds, nothing. I'm just curious, how do people who work hard at their jobs, don't have insurance coverage for this, & want to have a family afford to continue this journey without too much debt & high interest rate loans? What we have in savings won't be enough. We aren't foolish with our money. I'm curious if there are programs, supplemental insurance we can pay for to supplement the cost of <a href="">IVF</a>, etc...? Please help!