Brenda, first of all, I just wanted to express my sympathy for your situation. There's a lot going on with your body, and you are understandably upset, & unsure where to go/what to do next.
A brief search online regarding prenancy & pre (or peri) menopause gives a lot of information warning women that there is still a chance to get pregnant until periods have stopped for 1 year, but very little about -how- to achieve this & sustain it. Here are a couple of links that provided at least some helpful information:
http://www.nia.nih.gov/health/publication/menopause
http://www.nia.nih.gov/health/publication/menopause-time-...
http://www.health.com/health/article/0,,20412203,00.html
Make an appointment (or a 2nd, if you already saw them) with your OB/GYN to discuss what non-invasive & non-fertility treatment options you have to help your body be receptive to conception & sustainment of prengnacy. The 3rd link I posted mentions hormone levels; a pill might be an option.
Also talk about what the traditional fertility treatment options are, & their affordablity. Obviously, it is always ideal when insurance will cover treatments, but if that is not an option, you can still find out what your options are, & how effective they are likely to be, as well as the costs. If you & your husband want to go forward with any of them, such costs can be offset/reduced by flex-spend accounts.
Consider, if you & your husband pursued adoption, there would be costs involved. I'm assuming you are not currently considering adoption as a choice, but for couples who seriously want another child regardless, the expenses of fertility treatments might be something you are willing to take on, especially if they have a greater rate of success, much like couples accept & plan for the costs of adoption.
Wishing you the very best as you get the answers you need. T.