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Hey MellBell.. Actually I got mines approved through Insurance... I have Cigna.. There is still a Co-insurance, but it's better than paying for the entire thing... Maybe you should give it a shot with your Insurance, if you have all of your clearances.... I got my approval in like 9 days... If they deny it, and you still wanna do it and are willing to self pay then go for it... If you have Cigna I can tell you exactly what you need to do...