When I got my vest, the vest company haggled with our insurance for over a year, but our insurance wouldn't cover it either. After the final denial from our insurance, I simply had to request a waiver form from the vest company. It basically stated that there eas no way I could come up with the $16,000 that it cost. After I signed and returned that, they called to tell me that the fee had been waived and that on the condition that I used it X amount (verifiable by the counter on the bottom of the machine that records hours of usage) it would be left in my home indefinitely. That said, first thing I would do is contact to vest company and explain your situation. They were very helpful for us. I've really enjoyed my vest because it has allowed me to take full responsibility for my care. I am no longer dependant on someone else's convenience. It was great especially when I got married and now that I'm a mom. I plug in, put on a 30 minute video for my daughter (her sole TV allowance for the day) and grab my Bible for some uninterrupted study time. So, my 30 minutes on the vest (as opposed to 60 minutes before in a multitude of uncomfortable positions) is something we both look forward to. HollyCatheryn