Your definition of what you can afford may change when you learn about all of the people who thought they could not afford Lyme-literate docs/labs unless their insurance covered it - and are still sick - many years later. Igenex is accurate for Lyme testing, but the labs that will accept your insurance are not.
You need a Lyme-literate doc who doesn't stick to insurance protocols. Don't waste time begging for antibiotics from someone who doesn't understand "late disseminated Lyme disease."
I have given up many of the things that middle class people take for granted, in order to be treated by a doctor who is very expensive. (No reimbursement from my insurance.)
There are very few bargains in health care.