Chrissy,
First, I am so sorry to hear about your mom's cousin, that is very scary. I will pray that you all have some answers real soon and that her children find peace and strength during this scary time.
I can totally understand the apprehension when it comes to the cost associated with adopting. L and I still struggle with it, I just don't understand why it is so expensive really. I mean these children need a family we want a family why can't it just work out or why doesn't insurance cover it. You know what I mean?
Will your insurance cover IUI's? Your heart will tell you what is best for your family just take your time and listen to it.
In the mean time you can vent over here anytime, I think we have all been down this same mode of thinking at one point or another. Infact L and I have been talking about if Vietnam closes before we bring a baby home what our next steps are and let me tell you one of the options is drastic(but legal) so I can totally understand how you just feel lost in picking the right way to go.