What would you do?

So I’m thinking ahead.. I’m still waiting to find out if my first IUI worked, but so far the tests are negative and my period is due on Tuesday.. I just don’t think it worked. I see ladies on here talking about their 3rd or 4th IUI and I just wondered if it’s because of the cost or the process or what? Looking at my insurance, I’m pretty sure it’s saying that it will cover 80% of IVF after I’ve met my $2,000 deductible (which I have).. I will have to skip July as we’re going on vacation so that’ll give me August and September for more IUI’s... my clinic is quoting 12 to 16 thousand dollars for IVF so even paying 20% would be expensive.. but if it doesn’t work by October do you think I should just move on to IVF? That way the majority of it’s covered?

*cross posted to try and get more advice*