39 years old and TTC

Hello, I am 39 years old. Never been pregnant before. My husband and I met two years ago and we have been trying for a baby for 4 month with no go. I know, I know, I waited too long and now I am hoping for a miracle. I am trying not to obsess any more about it because it puts a lot of stress on both of us.  
When I was 19 had had clamydia (sp) and now I am worried that it made me barren. My insurance will not let me have a fertility referral until I have been trying for a year. 
I am hopeful we can have one on our own.