How to check my fertility

Sonia • I`m 24, hubby is 36 and were trying for baby #1 but currently taking a break.
I have a couple questions... I moved from Germany to the states and in Germany when you have health insurance it covers everything, even if you want to get checked if your infertile ...
At the moment I don't have insurance here ... But I'll get one. My husband does have fertile sperm but today he said "babe what if you can't get pregnant" he said that kinda by joking around.. But it made me think... Can someone tell me what I do have to do here? And how high the costs are? I'm so lost here... I don't really talk to his family so I don't have no one I could ask and get help... So I thought I'll ask here ... Basically I would like to know how the do it, and if someone know something about the costs ..