Fertility exams, Needed or Not???

Recently I went to the doctor to get information on having a baby. Doctor mentioned she usually has couples wait a year before any testing however I’m 38 and she right away requested that I get blood work done. She mentioned that these exams are usually not covered by insurance.

Do I really need these exams or not necessary? Should I wait and try a couple of months before I go spending a thousand dollars on blood work?