Help?

Not sure if this is where I should be posting.

I’m 31 my husband and I went to a fertility specialist the other day and were basically told the only way for us to have a baby is ivf. Only problem is insurance doesn’t cover that (10-15 thousand dollars) if we try the natural way I have a 15% chance of it being ectopic since I’ve already had 2 ectopic pregnancies. I have one tube and endometriosis, has anyone been told your pregnancy would end up being ectopic but then it was totally normal?