I hear you on the monitoring. I did it for 3 months and couldn't take it anymore! I was in so often it was like 6 months worth. My insurance doesn't pay for anything as well so we're taking a break. But if your insurance will cover most costs of monitoring with an IUI cycle, I say do it. Does your insurance have a limit of how many you can do? Do they require you do IUI before moving to IVF? I guess I would take those things into consideration but see no reason why you couldn't move to IUI's.