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This is a hard one - I guess weighing the pro/cons is about the only thing you can do. you could do a couple more IUI's - 100% covered but if they don't work, you lose precious time. IVF is expensive but has a higher success rate.
It's depend on you.. IVF has more chance to conceive than IUI.. If you can afford the IVF, then why not.. If insurance cover for IUI, then you can try again... 39 years old have lower percent to conceive than younger womanWomen's way...
This is personal decision... don't go on debt because of this...
Thanks for your comments. I have male factor, but now SA came back normal. We're suffer with TTC for more than 3 yrs and it seems get worse since my right tube removed due to etopic one. I know at least I could get pregnant twice with 3 IVFs and none with 5IUIs. I want to try IUI again since i got cover 100%, but I'm so worried I'm running out of time and after 40 even I have money I don't have enough eggs to work with.
If it were me, I'd probably evaluate according to what my reason for infertility. If unexplained, I probably would go for a couple more IUI's and then move back to IVF. But that is strictly my guess - I don't know what your reason for infertility is & how it's related to IUI's and IVF's.
What does your re recommend?
This is personal decision... don't go on debt because of this...
good luck to you