A little background

I have two children from a previous marriage, ages 19 (son) and 14 (daughter). My husband doesn't have any children of his own. After years of talking about it we have decided to have a baby. I had massive blood clots in my lungs in 2000 and was told that I had to have my tubes tied and that if I didn't have any complications I could do IVF. Well the the company that I am currently working for provides infertility coverage through our insurance. So we went to our consultation on 4/13/10 and my husband went for his semen analysis today (4/20/10). I have so many questions and thoughts and not sure what to do or where to go. We won't be able to start the process until July. I am worried about the about of pocket cost and things of that nature. I was feeling good about my the specialist office until today. I so many emotions I feel like I am going crazy. I go on some of the message boards and I read the posts but I feel so lost and confused and I feel like I am going to ask silly or stupid questions. I don't have a real support system outside of my husband because my family is not going to "approve" of my have another child. Sometimes I wonder if we are being selfish for wanting to bring another child into the world when I already have two. Whoa is me. I guess it is hard right now because I have no one to talk to and I am so confused.