Funding for iui/ivf

It looks like my insurance isn’t accepted and it’s too late to change plans because open enrollment for my job closed days ago. And I don’t have the funds either to really pay out of pocket. So I’m not sure where to go from here. I’ll admit I’m not the best at saving and it’s difficult financially because sometimes my partner either needs financial support or I do so saving is tough. Is there an alternative somehow…?