I don't really have much advice on this, but I wanted to say hi and welcome.
Perhaps you could talk to our insurance expert
http://birthmark.org/experts.php
and maybe she could help you go through and find if there is more insurance could contribute. I remember once, years ago, there was a case where the procedure was coded wrong and the result was that the co-payment was lowered.
Other parents might have more useful advice.
Missy