If you're having trouble getting ahold of a full spectrum light you might try getting outside as often as you can in the daylight. Along with all the research showing that full spectrum lights are highly effective, there's a lot of evidence to suggest that getting out for a walk in the daylight is just as effective, if not more. I've read lots of studies that indicate the effectiveness of full spectrum light, but also indicated there can be more theraputic light available on a cloudy day in the winter time than what can be produced artificially through a SAD light.
I was trying to get a SAD light, but decided to hold off after i've been able to get out walking on my lunchhour and it seems to be really working. I do however use a dawn simulator to help keep my clock on track since without its impossible for me to get out of bed in the winter.
Good luck with the insurance,Putter