If the change of insurance isn't an option you could try United Medical Credit http://www.unitedmedicalcredit.com/. I fought my insurance for 6 months before I gave up and went with self pay. United were helpful and approved us within 24 hrs. I was lucky enough to get some extra hrs at work to pay for it so it's onward and upward! Good luck to you and don't give up on your insurance yet.