Tap IRA?

[snappy dresser]

We just came back from our first visit to a fertility clinic and boy were my eyes opened. I had no idea how much something like this costs, and it looks like our insurance won't cover it. The wife has her heart set on having at leaset one, so I imagine its not a question of if we decide on a procedure ,but what and when.
Seems like the insurance is not going to cover it. looking at the rest of our assets I have the most tied up in our 401ks and IRAs. Anyone know if there is any way to borrow from those for such an important thing?
Just wondering