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thanks so much for your replies. The BCBS PPO we had earlier in arizona covered a lot but somehow the new papers we have got show they are falling a little expensive....and a lot they covered earlier is not covered any longer. So we have planned to go ahead with Kaiser as it falls cheaper.
Also regarding the semen analysis results which gave "no result " exactly the same thing happened with my husband twice through PPO we had earlier... seriously dnt know why these labs are not able to get result despite testing twice!
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Me 33 yrs, Hypothyroid- Hashimotos
DH 34 yrs
First RE appointmnt: 3rd March'09 but relocated in june'09
Restarted in October'09 
IUI#1: 17Oct'09 Clomid 100mg(3rd -7th day); 10 million & 59% motility; follicle size not monitored =>15dpiui:31Oct
Nov'09: skipping Clomid - want to check if i am ovulating without medicine.
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