Should I just keep trying naturally and assume nothing is wrong?

My husband and I went to a fertility doctor: he had a semen analysis and I had a pelvic ultrasound, vaginal ultrasound and a lot of bloodwork. Everything came back normal and results were great.

Now the dr wants to do a hysteroscopy that altogether will cost $3,000 bc we haven’t met our deductible. We can’t afford this 😕

I’m at a loss. Do we keep trying naturally and not give up hope? If something was seriously wrong would we have found out already?