Suggestions PLEASE!

Vanessa
Hi ladies, 
So my doctor has scheduled a hsg test for me. My insurance doesn't cover it. The doctors office said that they aren't allowed to take a cash payment instead of insurance. But my insurance is TERRIBLE. Has anyone been in this situation? I feel like the insurance is being allowed to keep my husband and I from having a child. 
Any ideas or suggestions? 
Thank you! 
Vanessa