IUI #3 was a fail

I had spotting starting at 10 days past IUI, but my RE doesn't seem to be concerned, so he wants to do another round of injects with IUI.   We are going to take a month or two off to get the bills paid from the last round so I'm looking at June or July for IUI #4.   I am also going to start being more aggressive in my savings as I'm losing hope that IUI will work.  If my husband's insurance company is reading, I'd really really really appreciate IVF coverage.  I'll pay more per month even!