I am so sorry about AF :(
I just turned 35 and I know exactly how you feel. My insurance does not cover ivf and after running out of other options we are paying out-of-pocket. Ttc is so very stressful already and insurance does not make it easier for us by putting financial pressure on top of everything else. My heart goes out to you.
Are you taking clomid or injectables along with your IUI?? Perhaps developing more follicles may help you to O on your good side more often...
((HUGS))
I have a question for you....I am currently 12 dpIUI and my RE said to test on day 14....why is that? I am just wondering because you said you are 15 dpIUI and that AF came three days early...is that just because your cycles are usually that long? 18 days from O to AF? ( I think that is called luteal phase, but not sure....) Anyway, shed some light on this...I am just wondering if 14 dpIUI is still too early or if that is because we did a trigger and we knew when I ovulated. Plus I am a 28 day cycle....no more no less, every month.
Sorry about the whole decision thing you have going on right now. Gosh, IVF is so expensive!! It sucks! And I some people are so fortunate to have insurance to cover it. I don't, and I know MOST don't. Feel confident that you will make the right decision.....hang in there.