Trying to regulate my period. Lots of issues?

Me and my husband were all set up to see a fertility specialist and then I called my insurance to see if i could get the referral number to put on my paper work for the fertility specialist. Well they then told me that I can not see a fertility specialist, that its not covered. ( I have CIGNA HMO) I was so upset. I have such irregular periods. I can go 4 months without one sometimes, then sometimes one month or maybe 2 or 3. it is not one of those "irregular" periods that some people have where they get them every 2 months...its NOT REGULAR AT ALL! I also have an issue that i have a lot of discharge and I dont know why and it worries me that it could kill the sperm or slow them down. Also when my husband does come in me he will hold in for at least a minute but as soon as he pulls out it all come right out, i dont even have to stand up i can be laying there. ( AND yes people I know they say it has to come out! but I know that a lot of people it come out over the next few days or even the next few hours, but it ALL comes out immediatley!!!) Its just so frustrating because I now can not go to the doctor to actually know whats wrong with me. My husband always comes in me for like the past year. And nothing... I Just want to know if anyone has had the same experience and what they did and if they go pregnant. or how they regulated their period. I have also read Vitex/ chaste tree berry can regulate you..... well i took this for several months and it made no change in me. I think it may be a hormonal issue because Im 23 and I still break out, I also have irregular hair growth ( like around my nipples and my upper lip) I know sometimes this can be a thyroid issue but i have been tested for that.. PLEASE, someone help me figure this out!!!!